There are more drivers on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Local laws usually require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. 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 covered under this type of car insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of auto insurance. This insurance will cover you if you are in a collision with one of these drivers. 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 protects you in accidents involving those drivers. Other policies, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: * What coverage you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont