Each year, more cars and drivers hit the highways. As this number goes up, the chances of a car wreck will also increase. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. But why is insurance required by law and just how much do you need? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your legal fees. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is occasionally called no-fault coverage. It may also pay for lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers all non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont