The amount of cars and drivers on the road increases each year. As this number goes up, the chances of a car collision will also go up. Car insurance can be the difference between a small setback and a major trial. So how can you figure out which type of insurance you need and how much you should buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was at fault in the crash. It is occasionally referred to as no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont