There are more drivers hitting the road every year. This could lead to a higher possibility of a car accident for you and your family. Automobile insurance can be the difference between a small setback and a large hassle. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually require minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If this type of coverage has been purchased, the insured person will receive coverage for necessary medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other policies, including emergency road service, are also available. Insurance Clermont