There are more cars hitting the road every year. This could lead to a higher possibility of a collision. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. But why is insurance required by law and just how much do you need? Mandated coverage varies by state/province but usually includes the following: Liability: It pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, liability insurance will pay for your court costs. Local laws usually mandate standard amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for all types of medical or funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other types of car insurance, like emergency road service, can also be purchased. Auto Insurance Quotes Clermont