Every year, more cars hit America's roads. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a small inconvenience and a major trial. But why do you need insurance and exactly how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are in legal trouble, liability insurance can pay for your defense and court costs. State laws typically require minimum amounts of liability insurance, but larger 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. It may also pay for lost wages, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection covers all non-collision damages. This could include fire damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance protection. Other types of coverage, including emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Insurance Clermont