Every year, more automobiles and drivers travel the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you own can make a big difference in the experience you have. So how do you know what insurance you need and the quantity you should buy? Car crashes can lead to a variety of different expenses, which your car insurance might be able to pay for based on the type of insurance you have purchased. Without insurance, you run the risk of having to pay the full price of the harm you cause others. Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also cover lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * Which policies you select * The type of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Clermont