Every year, more automobiles and drivers are on the roads. As this number increases, the chances of a car collision will also increase. Automobile insurance can be the difference between a minor setback and a large trial. So how can you find out what insurance you need and the quantity you should buy? Coverage requirements vary by state/province, but usually include the following: Liability: It pays for expenses due to bodily injury and property damage to others where you are responsible. If you are in legal trouble, it also pays your court costs. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Quotes Clermont