Every year, more cars and drivers travel the highways. As this number increases, the chances of a car collision will also go up. The difference between a little aggravation and large pain can be the car insurance you have purchased. So how do you know what insurance you need and the quantity you should buy? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your legal fees 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 type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is sometimes called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance protection. Other policies, like emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont