We see more drivers on the road every year. As this number increases, the chances of a car accident will also increase. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. So how can you find out what insurance you need and the quantity you should purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to 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 take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This 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. This insurance can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Clermont