The number of cars and drivers on the road increases every year. This could lead to a higher possibility of a car accident for you and your family. Car insurance can be the difference between a small inconvenience and a large trial. How can you decide what insurance you require and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, it also pays your legal fees. Local laws usually require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is mandated in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Quotes Clermont