There are more cars and drivers on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. So how can you find out what insurance you need and the quantity you should buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Every state or province requires auto insurance by law. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are sued, this type of insurance can pay for your court costs. State laws usually require standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was at fault in the collision. It is occasionally called 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 pays despite who carries responsibility for a crash. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This may include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, like emergency road service and car rental, are also available. State Farm Agent Clermont