You will see more drivers on the road every year. This can lead to an increased likelihood of a collision. Automobile insurance can make the difference between a small setback and a large hassle. So how do you know what insurance you need and the quantity you should purchase? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It also covers your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local law usually 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 collision. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, like car rental, are also available. Car Insurance Groveland