The number of drivers on the road increases each and every year. As this number increases, the chances of a car accident will also go up. Automobile insurance can be the difference between a small setback and a major hassle. So how do you know which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. State laws usually mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is required 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. This insurance may also pay for lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Clermont