There are more cars and drivers hitting the road each year. This could lead to a higher possibility of a collision for you and your family. The difference between a small bother and major pain can be your insurance. How can you determine what insurance you need and how you can purchase it? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, this type of insurance will pay for your court costs. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. This insurance may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection 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 carries responsibility for a collision. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the proper amount of auto insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont