There are more cars hitting the road each year. With countless vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small setback and a major trial. How can you decide what insurance you require and how you can purchase it? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. Local law 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 you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Other types of coverage, including emergency road service, can also be purchased. Insurance Vero Beach FL