Each year, more drivers travel America's roads. This can lead to a higher possibility of a car accident for you and your family. If you get in a car crash, the auto insurance you have can make a big difference in what happens next. So how can you figure out which type of insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, liability insurance will pay for your defense and court costs. State laws typically mandate 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 your passengers, regardless of who was at fault in the crash. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been bought, the insured person will receive payment for all types of medical or funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont