Every year, more cars and drivers hit the highways. This can lead to an increased likelihood of a collision. The difference between a small aggravation and large pain can be automobile insurance. How can you decide what insurance you need and where you should go to buy it? Car crashes can lead to many different expenses, which can all be paid for based on the type of coverage you have purchased. Automobile insurance is required by law in all states and provinces. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This is required 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. This insurance may also pay for lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without sufficient insurance protection. Other kinds of car insurance, like emergency road service, are also available. Car Insurance Groveland