Each year, more drivers hit our roads and freeways. With so many vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you have can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Required coverage varies by state/province but usually includes the following: Liability: Liability pays for damages due to bodily injury and damage to property that you are responsible for. If you are in legal trouble, liability insurance can pay for your defense and court costs. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. 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. If you buy this type of coverage, you will receive payment for necessary medical and funeral expenses. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. 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: 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 in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, are also available. Auto Insurance Clermont