The amount of drivers on the road increases each and every year. As this number increases, the chances of a car collision will also increase. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Required coverage varies by state/province but typically includes the following: Liability: Pays for expenses due to bodily injury and damage to property for which you are responsible. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are sued, liability insurance can pay for your legal fees. Local laws typically require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is commonly referred to as no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages 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 coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without enough insurance protection. Other policies, such as car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many drivers think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont