There are more cars on the road each year. This can lead to a higher possibility of a collision for you and your family. The difference between a small bother and large pain can be the car insurance you own. But why do you need insurance and just how much should you buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance coverage. Other types of coverage, such as car rental and emergency road service, are also available. Car Insurance Quotes Clermont