Every year, more drivers travel the highways. With countless vehicles on the road, accidents are going to happen. Automobile insurance can be the difference between a minor setback and a major trial. So how do you know which type of insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a collision. If this type of coverage is purchased, the insured person will receive payment for all types of medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont