The number of drivers on the road increases each and every year. This could lead to an increased likelihood of a car accident for you and your family. Car insurance can make the difference between a minor inconvenience and a major trial. But why do you need insurance and just how much should you buy? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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 coverage is available in non-no-fault states; it pays despite who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you should never be on the road without it. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont