Each year, more cars and drivers hit the roads. With countless vehicles on the road, accidents will happen. The difference between a little aggravation and large obstacle can be your car insurance. So how can you find out what insurance you need and how much to buy? Required coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. It can also cover your legal fees if you are sued. Local laws typically require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is commonly referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the right amount of car insurance. This insurance will protect you if you are in an accident 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 responsible for. Under-insured motorist coverage covers you from those drivers. Other kinds of coverage, such as emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple 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 Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Auto Insurance Quotes Clermont