The amount of cars on the road increases each and every year. This could lead to a higher possibility of a car accident for you and your family. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Pays for damages due to bodily injury and damage to property that you are responsible for. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. It may also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other kinds of coverage, like car rental, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. Insurance Clermont