You will see more and more drivers on the road each year. With so many vehicles on the road, crashes can happen. Car insurance can be the difference between a small inconvenience and a major trial. How can you determine what type of insurance you need and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for damages due to personal injury and damage to property that you have caused. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are sued, this type of insurance will pay for your defense and court costs. Local laws usually mandate minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost earnings, service replacement and funeral costs. Local government usually sets minimum amounts. Medical Payments: This 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 car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Other kinds of car insurance, like emergency road service and car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont