Every year, more cars and drivers travel the highways. With the increasing number of vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you own can make a large difference in the experience you have. So how do you know what insurance you need and the quantity you should buy? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, it also pays your court costs. State laws typically require minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was responsible for the collision. It is commonly referred to as no-fault coverage. It may also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance covers all non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the right amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Other policies, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * What coverage you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you should never be on the road without it. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont