You will see more cars on the road each year. This can lead to a higher possibility of a car accident. The difference between a little aggravation and large obstacle can be car insurance. So how can you find out what type of car insurance you need and the quantity you should buy? Car crashes can lead to a variety of different expenses, which your insurance can pay for based on the insurance policy you have purchased. By not owning insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, liability insurance will pay for your court costs. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. This insurance can also cover lost earnings, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, like emergency road service, are also available. State Farm Agent Clermont