There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents are going to happen. The difference between a small bother and major obstacle can be your car insurance. How can you determine what insurance you require and how to buy it? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. State laws typically mandate minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the collision. It is commonly called no-fault coverage. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy has been purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Other types of coverage, such as emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont