Each year, more cars hit our roads and freeways. This can lead to an increased likelihood of a collision for you and your family. The difference between a little bother and large pain can be the car insurance you have purchased. How can you decide what insurance you need and how you can purchase it? Insurance requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the crash. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. It pays for all insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other kinds of coverage, like emergency road service, can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. State Farm Clermont