The amount of cars on the road increases each year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a small inconvenience and a major hassle. So how do you know which type of insurance you need and how much you should buy? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive coverage for all types of medical and funeral costs. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, including car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Auto Insurance Clermont