You will see more drivers on the road each year. This could lead to an increased likelihood of a collision. The difference between a small bother and large pain can be your car insurance. But why do you need insurance and just how much should you get? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This 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. It can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, 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 protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, such as car rental and emergency road service, are also available. Auto Insurance Quotes Clermont