You will see more drivers on the road every year. This could lead to a higher possibility of a car accident. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. How can you decide what type of insurance you require and where you should go to buy it? Auto insurance provides you with protection from paying for damage or injury you cause others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, plus specific other incidents, such as burglary. By not purchasing insurance, you run the risk of having to pay the full cost of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your legal fees. State laws typically require standard amounts, but higher amounts are available and extremely helpful. 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. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, like car rental and emergency road service, are also available. Auto Insurance Quotes Clermont