We see more drivers on the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and large obstacle can be automobile insurance. How can you decide what insurance you need and where you should go to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for expenses due to personal injury and damage to property that you have caused. If you are sued, this type of insurance will pay for your legal fees. Local laws typically require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required 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: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you should never be on the road without it. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. State Farm Clermont