Every year, more cars and drivers hit America's roads. This could lead to an increased likelihood of a collision for you and your family. The difference between a little bother and large obstacle can be automobile insurance. So how do you know what insurance you need and how much you should buy? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is commonly called no-fault coverage. It may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some have come to think of auto 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. State Farm Clermont