You will see more and more cars on the road every year. This can lead to a higher possibility of a car accident. If you get in a car wreck, the car insurance you own can make a big difference in the experience you have. How can you decide what insurance you need and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance may also pay for lost earnings, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont