There are more drivers hitting the road every year. This can lead to an increased likelihood of a collision for you and your family. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you need and how you can buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. If this policy is purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving without having the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, like emergency road service, are also available. Insurance Clermont