Each year, more cars hit America's roads. This could lead to a higher possibility of a collision for you and your family. The difference between a little aggravation and major obstacle can be your insurance. How can you determine what insurance you require and how to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. 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. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Insurance Clermont