The number of cars and drivers on the road increases each year. This could lead to an increased likelihood of a car accident for you and your family. The difference between a little aggravation and major obstacle can be your insurance. So how do you know what insurance you need and how much to buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the total price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This 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. This insurance may also pay for lost wages, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. If this policy has been purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other policies, including car rental, are also available. State Farm Clermont