You will see more cars on the road each year. As this number goes up, the chances of a car wreck will also go up. If you get in a car accident, the car insurance you have can make a big difference in the experience you have. So how do you know 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 will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. Local laws usually require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont