The amount of drivers on the road increases each and every year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is commonly referred to as no-fault coverage. This insurance can also pay for lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Other policies, including car rental, are also available. Golf Cart Insurance Clermont