There are more cars and drivers hitting the road every year. As this number goes up, the chances of a car collision will also go up. The difference between a small bother and large obstacle can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Coverage requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Quotes Clermont