There are more drivers hitting the road every year. With the increasing number of vehicles on the road, accidents will happen. The difference between a small aggravation and major pain can be your car insurance. How can you decide what type of insurance you need and how to buy it? Auto insurance provides you with protection from covering the cost of injury or damage you inflict on others while driving your car, damage to your vehicle or injury to you or your passengers from a crash, and specific other occurrences, such as robbery. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something 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 will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: * Which policies you select * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Clermont