The number of cars and drivers on the road increases each and every year. As this number increases, the chances of a car wreck will also increase. The difference between a small bother and major pain can be the car insurance you own. So how can you figure out what insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. State laws usually require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the crash. It is mandated in some states and optional in others. It may also cover lost wages, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance covers all non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without owning the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other kinds of coverage, like emergency road service and car rental, can also be purchased. Auto Insurance Clermont