Each year, more drivers hit the highways. With the increasing number of vehicles on the road, accidents can happen. The difference between a small bother and large pain can be the car insurance you own. So how can you figure out what insurance you need and how much you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 may also pay for lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. If this policy has been bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you select * The type of the car you own * Your driving record * Your age, gender and marital status * Where you live Some people have come to think of car insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont