There are more cars on the road each year. With so many vehicles on the road, crashes can happen. Automobile insurance can make the difference between a minor inconvenience and a major trial. So how do you know what type of car insurance you need and how much to purchase? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. No matter where you are living, you are required to purchase some type of car insurance. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: It pays for damages due to bodily injury and property damage to others that you are responsible for. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you should never be on the road without it. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. State Farm Agent Clermont