There are more cars and drivers on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a minor setback and a major hassle. So how can you find out what insurance you need and how much to purchase? Required coverage varies by state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are sued, it also pays your legal fees. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the crash. It is sometimes called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. It pays for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of coverage, like emergency road service, can also be purchased. Auto Insurance Clermont