You will see more and more cars on the road each year. With so many vehicles on the road, accidents will happen. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much should you get? Insurance requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required 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. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance protection covers all non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont