The amount of cars and drivers on the road increases each and every year. With so many vehicles on the road, crashes will happen. The difference between a small aggravation and major obstacle can be your insurance. So how do you know which type of insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: It pays for expenses due to bodily injury and damage to property that you have caused. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are sued, liability insurance will pay for your defense and court costs. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are 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. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. If this policy is purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of car insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Some drivers don't want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Auto Insurance Clermont