You will see more cars on the road every year. This could lead to an increased likelihood of a collision. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. How can you decide what type of insurance you need and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your legal fees. State laws usually require standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other policies, such as car rental, are also available. Insurance Clermont