Each year, more cars hit America's roads. With the increasing number of vehicles on the road, crashes are going to happen. Automobile insurance can make the difference between a small setback and a large hassle. So how do you know what insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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: Medical payment coverage is available in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This may include weather damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the right amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, including car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont