Each year, more cars and drivers travel our roads and freeways. As this number increases, the possibility of accidents also increases. The difference between a little bother and major pain can be car insurance. So how can you figure out which type of insurance you need and how much to buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your court costs. Local laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was at fault in the accident. It is commonly referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Other types of coverage, such as emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * 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 car insurance; you should never drive a car without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont