Every year, more automobiles and drivers hit our roads and freeways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. How can you decide what insurance you need and how to purchase it? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. This insurance can also pay for lost wages, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident 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 from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont