There are more cars and drivers on the road every year. As this number increases, the chances of a car accident will also increase. Car insurance can make the difference between a minor setback and a major trial. So how do you know what type of car insurance you need and the quantity you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Auto insurance is mandated by state law. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: It pays for damages due to bodily injury and damage to property that you are responsible for. It can also cover your defense and court costs if you are sued. State laws usually mandate standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Other kinds of coverage, including emergency road service, are also available. Auto Insurance Quotes Clermont