Every year, more drivers travel our roads and freeways. With countless vehicles on the road, accidents are going to happen. Automobile insurance can be the difference between a small inconvenience and a large hassle. So how do you know what insurance you need and how much you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: It 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. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other policies, such as car rental and emergency road service, are also available. Car Insurance Quotes Clermont