Each year, more automobiles and drivers hit the highways. With countless vehicles on the road, crashes are going to happen. Car insurance can make the difference between a small setback and a major hassle. 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 caused to your car or someone else's car and injury to other people, yourself, or passengers in your car, plus certain other occurrences, such as theft. Every state and province mandates car insurance by law. Without insurance, you risk having to pay the full price of any harm you cause others. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection covers any non-collision damages. This may include fire damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the right amount of car insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, like car rental and emergency road service, are also available. State Farm Clermont