There are more drivers hitting the road every year. This could lead to an increased likelihood of a collision for you and your family. The difference between a little aggravation and major obstacle can be your car insurance. So how do you know which type of insurance you need and how much to buy? Required coverage varies by 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. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your court costs. Local laws typically mandate standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local 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. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, like car rental and emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont