Every year, more automobiles and drivers travel the roads. With countless vehicles on the road, crashes will happen. The difference between a little aggravation and major pain can be automobile insurance. How can you determine what insurance you need and how to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Local laws typically require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. If this type of coverage has been bought, the insured person will receive payment for necessary medical and funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. 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: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, including car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont