Every year, more automobiles and drivers travel the roads. This could lead to a higher possibility of a car accident. The difference between a little aggravation and major pain can be the car insurance you own. So how can you find out what type of car insurance you need and the quantity you should purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Every state and province mandates car insurance by law. Without insurance, you run the risk of having to pay the full cost of the harm or injury you cause others. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your legal fees if you are sued. State laws usually require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. This insurance can also pay for lost wages, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, such as car rental, are also available. State Farm Agent Clermont