We see more and more drivers on the road each year. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how can you find out what insurance you need and how much to purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, it also pays your court costs. Local laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. 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. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. If this policy has been purchased, the insured person will receive payment for all types of medical or funeral expenses. Collision: This pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other types of coverage, such as emergency road service and car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: * Which policies you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. State Farm Agent Clermont