Each year, more automobiles and drivers hit the highways. This can lead to an increased likelihood of a car accident. Automobile insurance can make the difference between a small inconvenience and a large trial. So how do you know what insurance you need and how much to purchase? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the crash. It is occasionally referred to as no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other policies, like car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont