There are more drivers on the road every year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you require and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your legal fees if you are sued. State laws usually require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. This insurance may also cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance covers any non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other types of car insurance, like emergency road service and car rental, are also available. Auto Insurance Quotes Clermont