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We see more cars on the road each year. This can lead to a higher possibility of a collision. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. But why do you need insurance and just how much do you need? Insurance requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. It also covers your legal fees if you are sued. Local laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required 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. This insurance can also cover lost wages, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you select * The type of the car you own * Your driving record * Your age, sex and marital status * Where you live Many drivers don't want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont