There are more cars and drivers on the road every year. As this number increases, the chances of a car wreck will also increase. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you purchase? Car insurance protects you by paying for damage or injury you inflict on others while driving your car, damage to your car or injury to you or your passengers from a crash, plus certain other occurrences, such as burglary. By not owning insurance, you risk having to pay the full price of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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 cover lost wages, replacement of services and funeral costs. 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 will pay despite who carries responsibility for an accident. If this type of coverage has been bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance coverage. Other types of car insurance, like car rental, are also available. State Farm Clermont