There are more drivers hitting the road every year. As this number increases, the chances of a car collision will also increase. 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? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, this type of insurance will pay for your court costs. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is required in some states and optional in others. This insurance can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of any non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of coverage, including emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Insurance Clermont