Each year, more cars and drivers hit our roads and freeways. As this number increases, the chances of a car accident will also increase. The difference between a little aggravation and large obstacle can be automobile insurance. How can you decide what insurance you need and how you can purchase it? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include weather damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of car insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of coverage, including emergency road service and car rental, are also available. Auto Insurance Quotes Clermont