Every year, more automobiles and drivers travel our roads and freeways. As this number increases, the chances of a car accident will also increase. The difference between a little aggravation and large obstacle can be your insurance. But why do you need insurance and just how much should you buy? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, this type of insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. State government typically sets minimum amounts. 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 all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance covers any non-collision damages. This could include fire damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Insurance Clermont