The amount of cars and drivers on the road increases every year. This could lead to an increased likelihood of a collision for you and your family. The difference between a little aggravation and major pain can be your car insurance. How can you determine what insurance you require and how to buy it? Required coverage varies by state/province but usually includes the following: Liability: Pays for damages due to bodily injury and property damage to others that you have caused. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was responsible for the crash. It is commonly called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, including emergency road service, are also available. Auto Insurance Quotes Clermont