You will see more and more drivers on the road every year. With the increasing number of vehicles on the road, accidents can happen. The difference between a little aggravation and major obstacle can be your car insurance. How can you determine what insurance you require and where you should go to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. This insurance can also cover lost wages, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without having the right amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of coverage, including car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status * Where you live Some people may not 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 guidance of your insurance agent, choose the option that best suits you. State Farm Agent Clermont