You will see more drivers on the road each year. With countless vehicles on the road, accidents can happen. Automobile insurance can be the difference between a minor setback and a large hassle. How can you determine what type of insurance you need and how to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. If you buy this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. 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 in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place 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. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont