The number of drivers on the road increases each year. This can lead to a higher possibility of a car accident for you and your family. If you get in a car crash, the car insurance you own can make a big difference in what happens next. So how can you figure out what insurance you need and how much you should buy? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are sued, this type of insurance can pay for your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage is purchased, the insured person will receive coverage for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include fire damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont