The number of cars on the road increases each and every year. This can lead to a higher possibility of a collision for you and your family. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. But why do you need insurance and exactly how much should you buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Liability pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are sued, liability insurance can pay for your legal fees. State laws typically mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required 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. 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; it will pay regardless of who may have been at fault. If this policy is bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont