Every year, more cars and drivers travel the highways. This could lead to a higher possibility of a car accident for you and your family. Car insurance can make the difference between a minor inconvenience and a major hassle. But why do you need to own insurance and exactly how much should you buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your defense and court costs. Local laws usually require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. It can also pay for lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the right amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, such as emergency road service, are also available. Auto Insurance Quotes Clermont