There are more cars and drivers hitting the road each year. This can lead to an increased likelihood of a car accident for you and your family. Car insurance can make the difference between a minor inconvenience and a large trial. So how can you figure out which type of insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. It also covers your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. 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. This insurance can also pay for lost wages, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of car insurance, like car rental, are also available. Auto Insurance Quotes Clermont