There are more cars and drivers hitting the road each year. With countless vehicles on the road, accidents can happen. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. So how do you know what insurance you need and the quantity you should purchase? Coverage requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. If you are sued, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is commonly called no-fault coverage. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from burglary, 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: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other policies, such as car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. State Farm Clermont