Each year, more automobiles and drivers travel the roads. This could lead to a higher possibility of a car accident. The difference between a little aggravation and major pain can be the car insurance you own. How can you determine what insurance you require and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, this type of insurance can pay for your court costs. Recommended, higher levels of insurance can be purchased 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. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost wages, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Quotes Clermont