Each year, more automobiles and drivers hit the highways. This can lead to an increased likelihood of a collision. The difference between a small aggravation and major pain can be the car insurance you own. But why is insurance important and just how much do you need? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment 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 reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection covers any non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the car you drive * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you should never be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont