The number of cars on the road increases each year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, it also pays your court costs. Local laws typically require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont