We see more and more cars on the road every year. With so many vehicles on the road, crashes can happen. The difference between a small bother and large obstacle can be your car insurance. 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: Pays for expenses due to personal injury and property damage to others that you are responsible for. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the lower, 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, regardless of who was responsible for the collision. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, such as car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple 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 think they can get by without car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. Auto Insurance Clermont