Every year, more automobiles and drivers hit the roads. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a minor inconvenience and a major trial. So how do you know what insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are sued, it also pays your court costs. State laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are 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. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without enough insurance coverage. Other types of car insurance, like car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Auto Insurance Clermont