There are more cars and drivers on the road every year. With countless vehicles on the road, accidents can happen. The difference between a small bother and large obstacle can be the car insurance you have purchased. So how can you figure out what insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are sued, liability insurance will pay for your court costs. State laws usually mandate minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance may also pay for lost earnings, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If this type of coverage is purchased, the insured person will receive payment for reasonable medical or funeral costs. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Other kinds of car insurance, including car rental, can also be purchased. Car Insurance Quotes Clermont