state farm insurance East Liverpool OH The number of cars and drivers on the road increases each and every year. With the increasing number of vehicles on the road, crashes will happen. Car insurance can make the difference between a small inconvenience and a major hassle. So how can you figure out what insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased 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. This insurance can also cover lost wages, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a collision. If this type of coverage is purchased, the insured person will receive payment for all types of medical and funeral costs. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. 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: Similar to uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, such as car rental, can also be purchased.