There are more cars hitting the road each year. As this number goes up, the chances of a car accident will also go up. Car insurance can be the difference between a minor inconvenience and a major trial. But why do you need insurance and just how much do you need? Required coverage varies by state/province but typically includes the following: Liability: Liability pays for damages due to personal injury and damage to property that you are responsible for. If you are in legal trouble, it also pays your legal fees. State laws typically mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required 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. It can also cover lost earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. If this type of coverage has been bought, the insured person will receive payment for necessary medical or funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont