Every year, more cars and drivers hit the highways. With countless vehicles on the road, crashes can happen. Car insurance can be the difference between a minor setback and a large trial. How can you determine what type of insurance you need and how to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Your state or province definitely requires some type of auto insurance. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are in legal trouble, liability insurance can pay for your defense and court costs. Local laws usually mandate minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance takes care of any non-collision damages. This could include fire damage, vandalism, and theft. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * Which policies you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Many people may not want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Clermont