The number of drivers on the road increases every year. With countless vehicles on the road, crashes are going to happen. The difference between a small bother and major obstacle can be car insurance. So how do you know what insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. It may also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash 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 responsible for. This type of insurance protects you from those drivers. Other types of car insurance, including emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont