The number of cars and drivers on the road increases every year. With the increasing number of vehicles on the road, crashes can happen. The difference between a small aggravation and major pain can be automobile insurance. But why do you need to own insurance and just how much should you purchase? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is occasionally referred to as no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Some people may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont