Each year, more cars and drivers are on the roads. This could lead to a higher possibility of a car accident. The difference between a little bother and major pain can be your insurance. So how do you know what type of car insurance you need and the quantity you should buy? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, this type of insurance will pay for your court costs. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. 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 this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Quotes Clermont