There are more cars and drivers on the road each year. This could lead to an increased likelihood of a car accident. The difference between a little aggravation and major obstacle can be the car insurance you have purchased. So how can you find out what type of car insurance you need and the quantity you should purchase? Car crashes can lead to many different expenses, which can all be paid for based on the type of insurance you have purchased. No matter where you live, you will need to buy some type of car insurance. Without 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 car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are sued, this type of insurance can pay for your legal fees. State laws typically require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: * Which policies you select * The type of the car you own * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont