Every year, more cars and drivers travel our roads and freeways. As this number increases, the possibility of accidents also increases. If you get in a car crash, the car insurance you own can make a big difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. By not owning insurance, you risk having to pay the full price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Other policies, like car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies 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 Don't procrastinate buying car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. State Farm Agent Clermont