You will see more cars on the road every year. As this number goes up, the chances of a car collision will also increase. If you get in a car wreck, the car insurance you own can make a big difference in the experience you have. So how do you know what insurance you need and the quantity you should purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, this type of insurance will pay for your legal fees. State laws usually require standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: 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 weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, including car rental, are also available. Auto Insurance Quotes Clermont