There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents will happen. If you get in a car accident, the car insurance you have can make a large difference in what happens next. But why do you need insurance and exactly how much should you buy? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. It may also pay for lost wages, replacement of services and funeral expenses. State law usually sets minimum amounts. 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 buy this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. State Farm Clermont