There are more cars and drivers on the road each year. This can lead to a higher possibility of a collision. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, liability insurance will pay for your legal fees. State laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the accident. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. If this type of coverage is bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other kinds of coverage, such as emergency road service and car rental, can also be purchased. Auto Insurance Clermont