Every year, more cars and drivers hit the highways. As this number goes up, the chances of a car collision will also go up. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance will pay for your legal fees. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated 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. This insurance may also pay for lost wages, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other types of coverage, including emergency road service and car rental, can also be purchased. Auto Insurance Clermont