The number of cars on the road increases each and every year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small inconvenience and a major trial. But why do you need insurance and just how much should you purchase? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is required in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other policies, including car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you select * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you should never drive a car without it. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Insurance Clermont