There are more cars on the road every year. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and major pain can be your insurance. But why do you need to own insurance and just how much should you buy? Auto insurance provides you with protection from covering the cost of damage caused to your car or another person's car and injury to others, yourself, or passengers in your car, plus certain other incidents, such as robbery. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can 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. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont