You will see more and more drivers on the road each year. As this number goes up, the chances of a car wreck will also go up. If you get in a car crash, the car insurance you own can make a big difference in the experience you have. But why is insurance important and just how much do you need? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the collision. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If this policy has been bought, the insured person will receive coverage for all types of medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This may include weather damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the right amount of car insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance coverage. Other policies, including car rental and emergency road service, are also available. Auto Insurance Quotes Clermont