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There are more cars on the road every year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you need and how you can buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property 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 insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. 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. This insurance can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance coverage. Other kinds of coverage, such as car rental, are also available. Auto Insurance Quotes Clermont