There are more cars and drivers on the road every year. This could lead to a higher possibility of a collision. If you get in a car crash, the car insurance you have can make a big difference in the experience you have. How can you decide what insurance you need and how to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If you buy this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the right amount of insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Other types of car insurance, like car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: * Which policies you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Some people think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Insurance Clermont