Every year, more cars and drivers travel the highways. With countless vehicles on the road, accidents can happen. The difference between a small aggravation and large obstacle can be car insurance. But why do you need insurance and just how much should you purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It also covers your defense and court costs if you are sued. Local laws usually require minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. It can also cover lost wages, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other policies, including car rental and emergency road service, are also available. Auto Insurance Quotes Clermont