Each year, more cars and drivers hit the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the auto insurance you have can make a large difference in the experience you have. How can you decide what type of insurance you need and where you should go to buy it? Required coverage varies by state/province but typically includes the following: Liability: Pays for expenses due to bodily injury and damage to property when you are responsible. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts, but higher 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. It can also cover lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If this type of coverage has been bought, the insured person will receive coverage for reasonable medical or funeral costs. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance coverage. Other types of coverage, like emergency road service, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Clermont