You will see more and more drivers on the road every year. This can lead to a higher possibility of a car accident. The difference between a little bother and large obstacle can be automobile insurance. How can you determine what insurance you need and where you should go to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It also covers your defense and court costs if you are sued. State laws usually require standard amounts of liability insurance, but higher amounts are available and extremely helpful. 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 pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. If this policy is bought, the insured person will receive payment for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont