You will see more and more drivers on the road every year. As this number increases, the possibility of accidents also increases. The difference between a little bother and major pain can be car insurance. So how can you find out what insurance you need and the quantity you should buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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 can also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include weather damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont