We see more and more cars on the road each year. This can lead to an increased likelihood of a collision. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. But why is insurance necessary and just how much do you need? Insurance requirements will differ by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are in legal trouble, liability insurance can pay for your defense and court costs. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include flood damage, vandalism, and theft. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Auto Insurance Clermont