There are more cars and drivers hitting the road each year. This could lead to a higher possibility of a collision. Automobile insurance can be the difference between a minor setback and a major trial. How can you determine what insurance you need and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more events 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: * Which policies you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. Insurance Clermont