There are more cars on the road every year. With countless vehicles on the road, accidents will happen. Car insurance can be the difference between a small inconvenience and a major trial. How can you determine what type of insurance you require and how to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, this type of insurance can pay for your legal fees. State laws usually require standard amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, such as car rental and emergency road service, are also available. Auto Insurance Quotes Clermont