Each year, more cars and drivers are on the roads. With countless vehicles on the road, crashes can happen. The difference between a little bother and major obstacle can be the car insurance you own. So how do you know what insurance you need and how much to purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, it also pays your legal fees. Local laws usually require standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance 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. This insurance may also pay for lost wages, service replacement and funeral costs. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. 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 kind of insurance covers you from people driving without enough insurance protection. Other policies, such as emergency road service, are also available. State Farm Agent Clermont