There are more drivers hitting the road each year. This can lead to a higher possibility of a collision. The difference between a little bother and large 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: Pays for damages due to personal injury and damage to property for which you are responsible. If you are sued, it also pays your court costs. State laws usually require minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. State Farm Clermont