Each year, more cars and drivers hit the roads. This can lead to an increased likelihood of a collision. Car insurance can make the difference between a minor inconvenience and a major trial. How can you determine what insurance you need and where you should go to buy it? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, and specific other incidents, such as burglary. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Liability pays for damages due to bodily injury and damage to property that you are responsible for. If you are in legal trouble, this type of insurance can pay for your legal fees. Local laws typically mandate standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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 can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for a collision. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Some people don't want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Auto Insurance Clermont