The number of cars and drivers on the road increases each and every year. This could lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the car insurance you have can make a large difference in what happens next. How can you determine what insurance you require and how to purchase it? Mandated coverage varies by state/province but usually includes the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of car insurance, like car rental, are also available. Car Insurance Quotes Clermont