There are more cars hitting the road each year. As this number goes up, the chances of a car wreck will also go up. Car insurance can make the difference between a small setback and a major trial. So how do you know what insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: It pays for expenses due to bodily injury and damage to property where you are responsible. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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 typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of car insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, like car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont