There are more cars on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. So how do you know what type of car insurance you need and the quantity you should buy? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This 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. It can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured 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. Other kinds of coverage, such as car rental, can also be purchased. State Farm Clermont