Each year, more cars and drivers travel the highways. This could lead to a higher possibility of a car accident. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. So how can you find out what insurance you need and the quantity you should purchase? Mandated coverage varies by state/province but typically includes the following: Liability: It pays for damages due to bodily injury and damage to property that you have caused. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. This insurance may also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Clermont