Each year, more drivers hit the highways. With so many vehicles on the road, accidents are going to happen. Automobile insurance can make the difference between a small setback and a major trial. So how do you know which type of insurance you need and how much you should buy? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. It also covers your defense and court costs if you are sued. State laws typically mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. This insurance can also cover lost wages, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a crash. If this type of coverage has been bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other kinds of coverage, such as emergency road service and car rental, are also available. Golf Cart Insurance Clermont