Each year, more cars and drivers travel the roads. As this number goes up, the chances of a car accident will also increase. Automobile insurance can be the difference between a small inconvenience and a major hassle. How can you determine what type of insurance you require and where you should go to buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the collision. It is commonly called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Other types of coverage, such as car rental and emergency road service, are also available. Auto Insurance Clermont