You will see more cars on the road every year. With countless vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small setback and a large trial. So how do you know what type of car insurance you need and the quantity you should purchase? Mandated coverage varies by state/province but usually includes the following: Liability: Liability pays for expenses due to personal injury and property damage to others that you are responsible for. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was at fault in the crash. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. 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 insurance coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont