There are more drivers hitting the road each year. This can lead to a higher possibility of a collision for you and your family. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. So how do you know which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, it also pays your legal fees. State laws typically mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't 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. Car Insurance Quotes Clermont