You will see more and more drivers on the road each year. This can lead to an increased likelihood of a collision. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. But why is insurance necessary and just how much should you get? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. 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 wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage has been bought, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: This pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Quotes Clermont