Every year, more automobiles and drivers travel the highways. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and large obstacle can be the car insurance you own. How can you decide what insurance you require and how you can buy it? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Without insurance, you risk having to pay the total price of any harm you cause others. Liability: Liability pays for expenses due to bodily injury and damage to property when you are responsible. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, this type of insurance will pay for your court costs. Local laws typically require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the accident. It is occasionally referred to as no-fault coverage. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of car insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of coverage, like car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Some have consider auto insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. State Farm Agent Clermont