There are more cars and drivers on the road each year. As this number increases, the chances of a car accident will also go up. Car insurance can make the difference between a minor setback and a large trial. How can you decide what insurance you require and how to buy it? Required coverage varies by state/province but typically includes the following: Liability: It pays for expenses due to personal injury and damage to property where you are responsible. If you are sued, it also pays your legal fees. Local laws typically mandate minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also pay for lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance protection. Other kinds of car insurance, such as emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you select * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Insurance Clermont