Every year, more cars and drivers travel the highways. This could lead to an increased likelihood of a car accident for you and your family. Car insurance can be the difference between a minor inconvenience and a large trial. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This is mandated 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. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. If you purchase this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Clermont