The amount of drivers on the road increases each and every year. This can lead to an increased likelihood of a collision for you and your family. Automobile insurance can be the difference between a minor setback and a large trial. So how do you know what insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It also covers your legal fees if you are sued. State laws usually require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually 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. It pays for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving 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: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, like emergency road service and car rental, are also available. State Farm Clermont