Every year, more cars and drivers hit the highways. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the car insurance you own can make a large difference in what happens next. How can you determine what insurance you require and how to purchase it? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This 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 personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving 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: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Other types of coverage, including emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont