Every year, more automobiles and drivers hit the highways. With countless vehicles on the road, crashes can happen. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. How can you decide what insurance you need and where you should go to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: It pays for damages due to personal injury and damage to property for which you are responsible. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. This insurance may also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. 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 protects you from those drivers. Other policies, including car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Some people have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont