There are more drivers on the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and large pain can be the car insurance you own. So how do you know what insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance can pay for your legal fees. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, such as emergency road service, are also available. State Farm Agent Clermont