We see more cars on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much should you buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance will pay for your legal fees. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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 pay for lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Quotes Clermont