You will see more cars on the road each year. As this number goes up, the chances of a car wreck will also increase. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. But why is insurance necessary and just how much should you get? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, liability insurance will pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. 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 expenses. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring 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 irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance protection. Other kinds of coverage, such as emergency road service and car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Auto Insurance Clermont