You will see more drivers on the road every year. This could lead to a higher possibility of a car accident. Automobile insurance can make the difference between a minor setback and a major hassle. But why do you need insurance and just how much do you need? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are sued, it also pays your defense and court costs. State laws usually mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Clermont