Every year, more cars travel the highways. With so many vehicles on the road, accidents can happen. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much you should buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Pays for expenses due to personal injury and damage to property when you are responsible. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was responsible for the accident. It is occasionally referred to as no-fault coverage. This insurance can also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other types of coverage, such as car rental, can also be purchased. Auto Insurance Clermont