We see more and more drivers on the road every year. This can lead to an increased likelihood of a collision. Car insurance can be the difference between a minor inconvenience and a major trial. But why is insurance required by law and just how much do you need? Mandated coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are in legal trouble, it also pays your legal fees. State laws typically require minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was responsible for the accident. It is sometimes called no-fault coverage. It may also cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without having the right amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other policies, such as emergency road service, are also available. Auto Insurance Quotes Clermont