There are more cars and drivers on the road each year. With so many vehicles on the road, accidents will happen. The difference between a small aggravation and major obstacle can be the car insurance you have purchased. How can you decide what insurance you need and how you can purchase it? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other kinds of coverage, such as emergency road service and car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont