We see more and more cars on the road every year. This could lead to a higher possibility of a car accident. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. How can you decide what type of insurance you require and where you should go to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, liability insurance can pay for your legal fees. Local laws typically require minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the crash. It is mandated in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. 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 covers you in accidents involving those drivers. Other types of car insurance, like emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people don't want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont