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Every year, more drivers hit our roads and freeways. This could lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. How can you determine what insurance you need and how you can buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Car insurance is required by law in all states and provinces. Electing 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: This kind of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs 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 cover more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is commonly called no-fault coverage. It can also pay for lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy is bought, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, like emergency road service, are also available. State Farm Clermont