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Every year, more automobiles and drivers are on the roads. This can lead to an increased likelihood of a collision. If you get in a car wreck, the car insurance you have can make a large difference in the experience you have. How can you decide what insurance you need and how to buy it? Your 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 full cost of the harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a collision. If this type of coverage is bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance covers any non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of car insurance, including emergency road service and car rental, can also be purchased. State Farm Clermont