Every year, more cars and drivers travel the roads. This can lead to an increased likelihood of a collision. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much do you need? Insurance requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. If this policy has been purchased, the insured person will receive coverage for necessary medical and funeral expenses. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of coverage, like car rental, are also available. Auto Insurance Clermont