The number of cars and drivers on the road increases each year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Required coverage varies by state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is commonly called no-fault coverage. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for reasonable medical and funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when an insured person 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. Other policies, like car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Many people don't want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont