Each year, more cars and drivers hit the roads. With so many vehicles on the road, crashes can happen. The difference between a little bother and major pain can be car insurance. How can you determine what type of insurance you require and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is required in some states and optional in others. It can also pay for lost wages, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, such as car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Auto Insurance Clermont