Every year, more drivers hit our roads and freeways. This can lead to an increased likelihood of a collision for you and your family. The difference between a little aggravation and major pain can be the car insurance you own. How can you decide what insurance you require and how you can purchase it? Mandated coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, it also pays your legal fees. Local laws typically require minimum amounts of liability insurance, but larger 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. Local law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. It pays for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. 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 protects you from those drivers. Other types of coverage, like emergency road service, are also available. Auto Insurance Quotes Clermont