The amount of drivers on the road increases every year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. So how do you know what insurance you need and how much you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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 may also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages 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: Pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, including emergency road service, are also available. Insurance Clermont