Every year, more drivers travel America's roads. As this number goes up, the chances of a car collision will also go up. The difference between a small bother and major obstacle can be car insurance. So how can you figure out which type of insurance you need and how much to buy? Car crashes can lead to many different expenses, which can all be paid for based on the type of insurance you own. Deciding 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: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. State laws usually mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required 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. It can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. It pays for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Insurance Clermont