Every year, more drivers travel the highways. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a minor inconvenience and a large hassle. So how can you figure out which type of insurance you need and how much you should buy? Insurance requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws usually mandate standard amounts, but larger amounts are available and very beneficial. 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. If this policy has been purchased, the insured person will receive coverage for all types of medical or funeral costs. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Agent Clermont