Each year, more cars and drivers hit the roads. This could lead to a higher possibility of a car accident. The difference between a small aggravation and major obstacle can be the car insurance you own. How can you determine what insurance you require and where you should go to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont