Every year, more automobiles and drivers are on the roads. With so many vehicles on the road, accidents can happen. The difference between a small bother and major pain can be your car insurance. So how can you find out what type of car insurance you need and how much to purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of any non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other policies, including car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Groveland