You will see more and more drivers on the road every year. As this number increases, the chances of a car accident will also increase. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. How can you decide what type of insurance you need and where you should go to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It also covers your legal fees if you are sued. State laws typically require minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is typically set by the state. 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. If this policy has been purchased, the insured person will receive coverage for reasonable medical and funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Quotes Clermont