We see more and more cars on the road every year. As this number increases, the chances of a car collision will also increase. Car insurance can be the difference between a small setback and a major trial. How can you decide what insurance you require and where you should go to buy it? Auto insurance provides you with protection from paying for damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, and certain other incidents, such as burglary. Car insurance is mandated by law in all states and provinces. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is commonly called no-fault coverage. This insurance may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. State Farm Clermont