Each year, more cars and drivers are on the roads. As this number goes up, the chances of a car collision will also increase. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? 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 covered under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This is required 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 no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Quotes Clermont