We see more cars on the road each year. This can lead to an increased likelihood of a collision. The difference between a small aggravation and major obstacle can be the car insurance you own. So how can you find out what insurance you need and how much to buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Your state or province certainly requires some type of auto insurance. By not purchasing insurance, you risk having to pay the total price of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. This insurance may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance coverage. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. Auto Insurance Clermont