Each year, more drivers hit the highways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you own can make a large difference in what happens next. But why do you need to own insurance and exactly how much should you buy? Coverage requirements will differ by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, this type of insurance will pay for your legal fees. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was at fault in the crash. It is commonly called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage has been bought, the insured person will receive coverage for necessary medical and funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * What coverage you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont