There are more cars on the road every year. This can lead to an increased likelihood of a collision. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. But why is insurance necessary and just how much should you buy? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you have purchased. By not purchasing insurance, you risk having to pay the total cost of the harm or injury you cause others. Liability: Liability pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, 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 enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont