There are more cars and drivers on the road each year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the car insurance you have can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much to buy? Car accidents can lead to many different expenses, which your insurance can pay for based on the insurance policy you own. Electing to drive without insurance could mean you have 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 have caused. These damages may include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was at fault in the collision. It is sometimes called no-fault coverage. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers any non-collision damages. This may include weather damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Other policies, 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: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont