There are more cars on the road every year. As this number goes up, the chances of a car wreck will also go up. The difference between a little aggravation and large obstacle can be your car insurance. But why do you need to own insurance and just how much should you buy? Car insurance provides you with protection from paying for injury or damage you inflict on others while you are driving, damage to your car or personal injury or injury to your passengers from an accidents, plus certain other occurrences, such as burglary. Every state and province mandates car insurance by law. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. This insurance can also cover lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Groveland