The amount of cars and drivers on the road increases every year. As this number increases, the chances of a car accident will also increase. The difference between a little bother and large pain can be the car insurance you own. So how do you know which type of insurance you need and how much you should buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. It pays for all insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include fire damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Other kinds of car insurance, like car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * Which policies you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont