There are more drivers hitting the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Required coverage varies based on the state/province but usually includes the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other types of coverage, such as emergency road service, are also available. State Farm Agent Clermont