Each year, more cars travel America's roads. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. But why do you need to own insurance and exactly how much should you purchase? Insurance requirements vary by state/province, but typically include the following: Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, this type of insurance will pay for your legal fees. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. 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 multiple factors, such as: * What coverage you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont