There are more cars on the road every year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and where you should go to buy it? Required coverage varies by state/province but typically includes the following: Liability: Liability pays for expenses due to bodily injury and property damage to others where you are responsible. If you are sued, liability insurance will pay for your legal fees. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. If this type of coverage has been bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont