There are more cars and drivers hitting the road every year. As this number goes up, the chances of a car wreck will also go up. The difference between a small aggravation and large obstacle can be the car insurance you have purchased. So how do you know what insurance you need and the quantity you should purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It can also cover your legal fees if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable medical or funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of any non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other policies, including emergency road service, are also available. Auto Insurance Quotes Clermont