We see more drivers on the road each year. This could lead to a higher possibility of a collision. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. How can you determine what insurance you need and how to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Without insurance, you run the risk of having to pay the full price of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws typically mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the collision. It is sometimes referred to as no-fault coverage. The minimum amount of personal injury protection 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. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of car insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, like car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Review your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont