There are more drivers hitting the road every year. As this number increases, the chances of a car wreck will also go up. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. How can you decide what insurance you require and how you can purchase it? Coverage requirements will differ 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. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This may include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont