There are more cars and drivers on the road each year. With so many vehicles on the road, accidents are going to happen. Automobile insurance can make the difference between a minor inconvenience and a major hassle. How can you decide what insurance you require and how you can purchase it? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance covers any non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other policies, like car rental, are also available. Auto Insurance Clermont