Each year, more cars and drivers travel our roads and freeways. As this number goes up, the chances of a car wreck will also go up. The difference between a small aggravation and major obstacle can be the car insurance you own. But why do you need to own insurance and exactly how much should you purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage has been bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance covers all non-collision damages. This may include fire damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other policies, including car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont