The number of cars and drivers on the road increases every year. With countless vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. But why do you need to own insurance and exactly how much should you purchase? Required coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the collision. It is sometimes called no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Clermont