You will see more and more drivers on the road every year. With the increasing number of vehicles on the road, crashes can happen. The difference between a small aggravation and major obstacle can be automobile insurance. But why is insurance necessary and just how much do you need? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, liability insurance will pay for your court costs. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated varieties. 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. Local law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. It pays for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of car insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of coverage, like emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont