Each year, more cars and drivers are on the roads. This can lead to an increased likelihood of a car accident. Automobile insurance can be the difference between a small setback and a large trial. How can you decide what insurance you need and how to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages include medical expenses, 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 court costs. Recommended, higher 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. 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 this insurance is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. It pays for an insured person's reasonable medical and funeral expenses resulting from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance takes care of all non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of car insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, such as car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont