The number of drivers on the road increases each year. As this number increases, the chances of a car accident will also increase. The difference between a little bother and large pain can be the car insurance you have purchased. How can you decide what insurance you require and how you can buy it? Required coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, liability insurance can pay for your court costs. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was at fault in the crash. It is sometimes called no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont