Every year, more drivers hit America's roads. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. But why do you need to own insurance and just how much should you buy? Car insurance provides you with protection from paying for damage or injury you cause others while you are driving, damage to your vehicle or personal injury or injury to your passengers from a crash, plus specific other occurrences, such as robbery. By not purchasing insurance, you risk having to pay the full price of the harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. If you buy this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of car insurance, like emergency road service and car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * Which policies you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont