We see more and more cars on the road every year. With countless vehicles on the road, accidents will happen. The difference between a little aggravation and large pain can be your car insurance. How can you decide what type of insurance you need and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. It also covers your defense and court costs if you are sued. Local laws typically require minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. It pays for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, like emergency road service, can also be purchased. Auto Insurance Clermont