The amount of cars on the road increases each and every year. This can lead to a higher possibility of a car accident for you and your family. The difference between a little aggravation and large obstacle can be automobile insurance. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Every state and province mandates auto insurance by law. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are sued, it also pays your legal fees. Local laws usually require minimum amounts, but higher amounts can be purchased and are very beneficial. 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 this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the proper amount of insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Clermont