Each year, more cars hit the highways. With the increasing number of vehicles on the road, accidents can happen. The difference between a small aggravation and large obstacle can be automobile insurance. But why do you need to own insurance and just how much should you purchase? Car accidents can result in a variety of different expenses, which can all be paid for based on the insurance policy you own. No matter where you are living, you will need to purchase some variety of auto insurance. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Liability pays for damages due to personal injury and damage to property for which you are responsible. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. This insurance may also cover lost wages, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other types of car insurance, including car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. State Farm Agent Clermont