The number of cars and drivers on the road increases each and every year. This could lead to a higher possibility of a car accident for you and your family. The difference between a little aggravation and large obstacle can be your car insurance. But why do you need to own insurance and just how much should you purchase? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It also covers your defense and court costs if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required 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 costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance protection covers any non-collision damages. This may include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Insurance Clermont