Every year, more cars and drivers hit the highways. With the increasing number of vehicles on the road, accidents can happen. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much do you need? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This 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. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of coverage, such as car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Clermont