The amount of drivers on the road increases each year. This could lead to a higher possibility of a collision for you and your family. The difference between a little bother and major obstacle can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for damages due to personal injury and damage to property for which you are responsible. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, liability insurance will pay for your court costs. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Other kinds of car insurance, including emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Groveland