The number of cars and drivers on the road increases every year. This can lead to a higher possibility of a collision for you and your family. Automobile insurance can make the difference between a small inconvenience and a large hassle. How can you decide what insurance you require and how to buy it? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other kinds of car insurance, like car rental, can also be purchased. State Farm Clermont