There are more cars hitting the road every year. This can lead to an increased likelihood of a collision. The difference between a small aggravation and major pain can be car insurance. But why is insurance necessary and just how much do you need? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. It may also cover lost earnings, replacement of services and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of coverage, such as emergency road service, can also be purchased. Auto Insurance Clermont