Every year, more cars and drivers hit the roads. This could lead to a higher possibility of a collision. Automobile insurance can be the difference between a small setback and a large trial. So how do you know what insurance you need and how much to purchase? Mandated coverage varies by state/province but usually includes the following: Liability: Liability pays for damages due to bodily injury and damage to property when you are responsible. If you are in legal trouble, this type of insurance will pay for your defense and court costs. State laws usually require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State law 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. It pays for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This may include weather damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including car rental and emergency road service, are also available. Car Insurance Quotes Clermont