Each year, more automobiles and drivers hit our roads and freeways. As this number increases, the chances of a car wreck will also increase. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. It also covers your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was responsible for the accident. It is required in some states and optional in others. It can also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other types of coverage, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. State Farm Clermont