Every year, more cars hit our roads and freeways. With so many vehicles on the road, accidents will happen. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. How can you decide what insurance you need and how you can buy it? Mandated coverage varies by state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. It may also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Clermont