The amount of cars and drivers on the road increases each and every year. This could lead to a higher possibility of a collision for you and your family. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and how you can purchase it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for damages due to personal injury and damage to property where you are responsible. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your defense and 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 costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. If you purchase this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Clermont