There are more cars and drivers on the road every year. As this number goes up, the chances of a car collision will also go up. Automobile insurance can be the difference between a small setback and a major trial. So how do you know what insurance you need and how much to buy? Car crashes can result in a variety of different expenses, which your car insurance can pay for based on the insurance policy you have purchased. By not purchasing insurance, you risk having to pay the full price of any harm you cause others. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was responsible for the collision. It is sometimes referred to as no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other policies, like car rental, are also available. State Farm Clermont