Each year, more cars and drivers travel the roads. As this number goes up, the chances of a car collision will also go up. The difference between a little bother and major pain can be car insurance. But why do you need insurance and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Every state and province mandates automobile insurance by law. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other policies, including emergency road service, are also available. Auto Insurance Clermont