The amount of drivers on the road increases each year. As this number increases, the chances of a car accident will also go up. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. So how do you know what insurance you need and how much to buy? Insurance requirements vary by state/province, but usually include the following: Liability: It pays for expenses due to personal injury and property damage to others that you are responsible for. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Local laws usually require minimum amounts, but higher amounts are available and usually recommended. 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. This insurance can also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, such as car rental and emergency road service, are also available. Auto Insurance Clermont