Every year, more automobiles and drivers travel the roads. This could lead to an increased likelihood of a collision. Car insurance can make the difference between a small inconvenience and a large trial. How can you determine what insurance you need and how to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, it also pays your defense and court costs. State laws typically require standard amounts of liability insurance, but higher amounts are available and usually recommended. 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 accident. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, including car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont