We see more and more cars on the road each year. With countless vehicles on the road, crashes will happen. Automobile insurance can make the difference between a small inconvenience and a major hassle. So how can you find out what type of car insurance you need and the quantity you should buy? Required coverage varies by state/province but usually includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Local laws usually require minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was at fault in the accident. It is commonly called no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including car rental and emergency road service, are also available. State Farm Agent Clermont