There are more cars and drivers hitting the road every year. This could lead to an increased likelihood of a car accident for you and your family. The difference between a small aggravation and large pain can be car insurance. 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: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, this type of insurance can pay for your court costs. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. 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. It can also cover lost wages, 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. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include hail damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without enough insurance coverage. Other types of coverage, such as car rental, are also available. Auto Insurance Quotes Clermont