Each year, more automobiles and drivers hit the highways. This can lead to a higher possibility of a car accident. Automobile insurance can make the difference between a small inconvenience and a major trial. How can you determine what type of insurance you need and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Your state or province certainly requires some type of auto insurance. Without insurance, you risk having to pay the total price of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. 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. This insurance can also pay for lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. If this type of coverage has been purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the right amount of auto insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont