Each year, more cars hit our roads and freeways. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need to own insurance and exactly how much should you buy? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was at fault in the collision. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont