There are more cars and drivers on the road each year. This could lead to a higher possibility of a car accident for you and your family. Car insurance can be the difference between a minor setback and a large trial. So how do you know what insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs and 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 stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was responsible for the crash. It is occasionally called no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive payment for all types of medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont