There are more cars and drivers hitting the road each year. With so many vehicles on the road, accidents can happen. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. How can you decide what type of insurance you need and where you should go to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers all non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who 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 protects you in accidents involving those drivers. Other policies, including car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: * What coverage you select * The make and model of the car you own * Your driving record * Your age, sex and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont