There are more drivers hitting the road every year. With countless vehicles on the road, crashes can happen. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. How can you decide what type of insurance you require and how to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: Pays for expenses due to bodily injury and property damage to others for which you are responsible. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. This insurance can also cover lost earnings, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. If this type of coverage has been bought, the insured person will receive payment for necessary medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Other kinds of car insurance, like emergency road service, can also be purchased. Auto Insurance Quotes Clermont