Each year, more cars and drivers travel our roads and freeways. This can lead to a higher possibility of a collision for you and your family. The difference between a little aggravation and large obstacle can be your car insurance. But why do you need insurance and exactly how much should you buy? Insurance requirements vary by state/province, but typically include the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. It can also cover your legal fees if you are sued. Local laws typically require minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the collision. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If this type of coverage has been purchased, the insured person will receive coverage for necessary medical and funeral costs. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other kinds of car insurance, including car rental, can also be purchased. State Farm Agent Clermont