We see more drivers on the road each year. With so many vehicles on the road, accidents can happen. The difference between a little aggravation and large obstacle can be your insurance. So how can you find out what insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Other policies, including car rental, are also available. Car Insurance Quotes Clermont