There are more cars on the road every year. This can lead to a higher possibility of a car accident. The difference between a little aggravation and major pain can be automobile insurance. How can you determine what type of insurance you require and how to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This is required 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. This insurance may also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. If this type of coverage has been purchased, the insured person will receive payment for reasonable medical and funeral expenses. Collision: 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 insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Clermont