There are more drivers on the road every year. As this number increases, the chances of a car collision will also increase. The difference between a small aggravation and large obstacle can be the car insurance you have purchased. But why do you need insurance and exactly how much should you purchase? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or passengers in your car, and specific other occurrences, such as burglary. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is commonly called no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: This pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. State Farm Clermont