The amount of drivers on the road increases each and every year. This could lead to an increased likelihood of a car accident for you and your family. The difference between a little bother and large obstacle can be the car insurance you own. How can you decide what insurance you need and how to purchase it? Required coverage varies based on the state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to 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 car insurance can also be purchased. Insurance Clermont