There are more drivers hitting the road every year. With so many vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. So how can you find out what insurance you need and the quantity you should purchase? Auto insurance protects you by paying for damage or injury you inflict on others while you are driving, damage to your car or personal injury or injury to your passengers from an accidents, plus specific other situations, such as theft. No matter where you live, you are required to purchase some type of auto insurance. Without insurance, you risk having to pay the total cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. It may also pay for lost earnings, service replacement and funeral costs. Local government typically 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. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other types of car insurance, such as emergency road service, can also be purchased. State Farm Agent Clermont