The amount of cars on the road increases each and every year. With so many vehicles on the road, accidents will happen. The difference between a small bother and major pain can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you buy? Insurance requirements vary by state/province, but usually include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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 usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other kinds of car insurance, including emergency road service and car rental, can also be purchased. State Farm Agent Clermont