There are more cars and drivers hitting the road each year. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you own can make a big difference in the experience you have. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for all types of medical or funeral costs. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance 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. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, such as car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont