Every year, more cars and drivers hit the roads. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you own can make a big difference in the experience you have. So how can you find out what insurance you need and how much to purchase? Required coverage varies by state/province but typically includes the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Local laws typically require minimum amounts, but higher amounts can be purchased and are extremely helpful. 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. It may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the right amount of car insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other kinds of car insurance, like emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont