The amount of cars on the road increases each and every year. As this number increases, the chances of a car accident will also increase. Automobile insurance can be the difference between a small setback and a large hassle. So how can you figure out which type of insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: Liability pays for damages due to personal injury and damage to property where you are responsible. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically 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. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Auto Insurance Clermont