There are more drivers hitting the road every year. This can lead to a higher possibility of a car accident for you and your family. The difference between a small aggravation and major obstacle can be car insurance. So how can you figure out which type of insurance you need and how much you should buy? Car insurance protects you by paying for damage or injury you inflict on others while you are driving, damage to your car or injury to you or your passengers from a crash, plus specific other incidents, such as theft. Every state or province requires auto insurance by law. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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 may also cover lost earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include flood damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance 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 can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Insurance Clermont