The amount of drivers on the road increases each year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the auto insurance you have can make a big difference in what happens next. So how do you know what insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was at fault in the collision. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Other types of coverage, including emergency road service, can also be purchased. Auto Insurance Clermont