Every year, more drivers hit America's roads. With so many vehicles on the road, crashes can happen. Automobile insurance can be the difference between a minor setback and a large trial. How can you decide what insurance you require and how to purchase it? Required coverage varies based on the state/province but typically includes the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. If you are in legal trouble, it also pays your court costs. Local laws typically require standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy has been bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont