We see more cars on the road each year. As this number goes up, the chances of a car accident will also increase. Car insurance can be the difference between a small inconvenience and a large trial. So how do you know what type of car insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was responsible for the collision. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If you buy this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without enough insurance protection. Other kinds of car insurance, such as emergency road service and car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Insurance Clermont