You will see more and more drivers on the road each year. This can lead to an increased likelihood of a car accident. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. But why do you need insurance and just how much should you buy? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was responsible for the collision. It is commonly referred to as no-fault coverage. It may also cover lost wages, replacement of services and funeral expenses. State law usually 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. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance protection. Other kinds of car insurance, like emergency road service, can also be purchased. Auto Insurance Clermont