We see more and more drivers on the road every year. With so many vehicles on the road, accidents can happen. The difference between a little bother and major obstacle can be the car insurance you have purchased. How can you determine what insurance you need and where you should go to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws typically require minimum amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This is required 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 can also pay for lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Insurance Clermont