Every year, more automobiles and drivers are on the roads. With countless vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. State laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Quotes Clermont