There are more cars hitting the road every year. With countless vehicles on the road, accidents can happen. The difference between a small aggravation and major obstacle can be car insurance. So how do you know what type of car insurance you need and how much to purchase? Insurance requirements vary by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is commonly referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, like emergency road service, are also available. Your car insurance payments vary by 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 * Where you live Many people think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. State Farm Clermont
