There are more drivers hitting the road every year. This could lead to a higher possibility of a car accident. Car insurance can make the difference between a minor setback and a large hassle. But why is insurance necessary and just how much do you need? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is sometimes referred to as no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance covers any non-collision damages. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of car insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Other types of car insurance, such as car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont