There are more cars and drivers on the road each year. As this number goes up, the chances of a car collision will also increase. If you get in a car crash, the auto insurance you have can make a large difference in what happens next. So how can you figure out what insurance you need and how much you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for damages due to personal injury and damage to property that you are responsible for. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It also covers your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without having the right amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Other types of car insurance, like car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. State Farm Agent Clermont