Every year, more drivers hit our roads and freeways. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for damages due to personal injury and damage to property where you are responsible. It also covers your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. If you buy this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include fire damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of coverage, including car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Clermont