The amount of drivers on the road increases each year. This could lead to a higher possibility of a collision for you and your family. Automobile insurance can make the difference between a small setback and a large hassle. So how can you figure out which type of insurance you need and how much you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your court costs. Local laws usually require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the crash. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers all non-collision damages. This may include flood damage, vandalism, and burglary. 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: 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 kinds of car insurance, including emergency road service, can also be purchased. Car Insurance Quotes Clermont