The amount of drivers on the road increases every year. With countless vehicles on the road, crashes will happen. The difference between a small bother and large obstacle can be the car insurance you own. So how can you figure out what insurance you need and how much you should buy? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, it also pays your legal fees. State laws typically require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the crash. It is occasionally called no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by the state. 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 necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without having the right amount of car insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other kinds of coverage, such as emergency road service, are also available. Car Insurance Quotes Clermont