Every year, more cars travel the highways. With so many vehicles on the road, crashes are going to happen. Automobile insurance can be the difference between a small inconvenience and a large trial. So how do you know which type of insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Pays for expenses due to personal injury and property damage to others that you are responsible for. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. It pays for an insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance coverage. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. Auto Insurance Clermont