Each year, more automobiles and drivers hit the highways. As this number goes up, the chances of a car collision will also go up. The difference between a small bother and large obstacle can be the car insurance you have purchased. How can you determine what insurance you need and how to purchase it? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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 may also cover lost earnings, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other types of car insurance, including car rental, are also available. State Farm Clermont