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Each year, more cars and drivers hit the highways. With so many vehicles on the road, crashes will happen. Car insurance can be the difference between a small setback and a large trial. So how can you figure out what insurance you need and how much to buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Pays for expenses due to bodily injury and property damage to others that you are responsible for. It can also cover your defense and court costs if you are sued. Local laws typically require standard amounts, but larger amounts can be purchased and are very beneficial. 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. This insurance can also cover lost earnings, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Agent Clermont