Every year, more drivers travel the highways. As this number goes up, the chances of a car wreck will also go up. If you get in a car wreck, the car insurance you own can make a big difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are in legal trouble, it also pays your court costs. Local laws usually mandate minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. This insurance can also pay for lost earnings, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving without having the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other types of car insurance, including emergency road service, can also be purchased. State Farm Clermont