You will see more drivers on the road every year. This could lead to an increased likelihood of a collision. If you get in a car wreck, the car insurance you own can make a large difference in the experience you have. So how do you know what insurance you need and how much to purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws typically require standard amounts of liability insurance, but higher amounts are available and extremely helpful. 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 responsible for the accident. It is required in some states and optional in others. It can also pay for lost wages, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy is bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other policies, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Some people have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. State Farm Clermont