There are more cars and drivers on the road each year. As this number goes up, the chances of a car wreck will also go up. The difference between a little bother and large pain can be car insurance. How can you decide what insurance you need and how to purchase it? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Agent Clermont