There are more cars and drivers on the road each year. As this number goes up, the chances of a car accident will also go up. The difference between a little bother and major pain can be car insurance. How can you decide what insurance you require and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for damages due to personal injury and property damage to others when you are responsible. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated 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 typically set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other types of coverage, like emergency road service and car rental, are also available. Auto Insurance Quotes Clermont