You will see more cars on the road each year. With so many vehicles on the road, accidents can happen. Automobile insurance can be the difference between a minor setback and a major hassle. So how can you find out what type of car insurance you need and the quantity you should purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. If you purchase this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without sufficient insurance protection. Other kinds of car insurance, such as car rental, can also be purchased. State Farm Clermont
