Every year, more automobiles and drivers hit the highways. This could lead to an increased likelihood of a car accident. Automobile insurance can make the difference between a minor inconvenience and a major hassle. So how can you find out what insurance you need and the quantity you should purchase? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. State laws typically require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other kinds of car insurance, such as emergency road service, are also available. Auto Insurance Quotes Clermont