Every year, more cars and drivers are on the highways. With the increasing number of vehicles on the road, crashes will happen. Car insurance can make the difference between a minor setback and a large hassle. But why do you need insurance and just how much do you need? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you own. Without insurance, you run the risk of having to pay the total price of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Local laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This is required 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 this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont