Each year, more drivers hit America's roads. With so many vehicles on the road, crashes are going to happen. The difference between a little bother and large obstacle can be automobile insurance. But why do you need to own insurance and exactly how much should you purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for damages due to bodily injury and damage to property when you are responsible. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the accident. It is occasionally called no-fault coverage. It may also pay for lost wages, 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 states that are not considered no-fault; it will pay despite who may be responsible. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance takes care of any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the right amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont