Every year, more cars and drivers hit the highways. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a small inconvenience and a major trial. So how can you find out what insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other types of coverage, including car rental and emergency road service, are also available. Auto Insurance Quotes Clermont