There are more cars and drivers on the road each year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. How can you determine what type of insurance you require and where you should go to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. 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 earnings, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. If you buy this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont