Each year, more cars and drivers are on the highways. This can lead to an increased likelihood of a collision. If you get in a car accident, the car insurance you have can make a big difference in the experience you have. How can you decide what insurance you need and where you should go to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was at fault in the accident. It is commonly called no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. 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 in accidents involving those drivers. Other kinds of coverage, such as emergency road service, can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. State Farm Clermont