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You will see more and more cars on the road every year. This can lead to an increased likelihood of a car accident. The difference between a little bother and large pain can be your car insurance. How can you determine what insurance you require and how to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. It can also cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Quotes Clermont