You will see more and more drivers on the road every year. This can lead to an increased likelihood of a collision. Automobile insurance can make the difference between a small inconvenience and a large trial. So how do you know what type of car insurance you need and how much to buy? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the crash. It is commonly called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Quotes Clermont