There are more drivers on the road each year. As this number increases, the chances of a car wreck will also increase. The difference between a little aggravation and major obstacle can be the car insurance you own. So how can you find out what insurance you need and the quantity you should buy? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated 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. This insurance can also cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, like car rental, are also available. State Farm Clermont