The number of cars on the road increases each and every year. This can lead to a higher possibility of a collision for you and your family. The difference between a little bother and major obstacle can be car insurance. So how do you know which type of insurance you need and how much you should buy? Car accidents can result in many different expenses, which your car insurance can pay for based on the insurance policy you own. By not purchasing insurance, you risk having to pay the total price 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. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Recommended, more comprehensive levels of insurance are available that cover 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 your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without sufficient insurance coverage. Other kinds of coverage, like car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Auto Insurance Clermont