Each year, more automobiles and drivers are on the roads. As this number goes up, the possibility of accidents also goes up. The difference between a small bother and major obstacle can be the car insurance you have purchased. But why do you need insurance and just how much should you buy? Insurance requirements will differ by state/province, but usually include the following: Liability: It pays for damages due to personal injury and property damage to others that you have caused. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. Local law usually 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. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This may include fire damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: * Which policies you choose * The make and model of the car you own * Your driving record * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont