Every year, more automobiles and drivers are on the highways. This could lead to a higher possibility of a collision. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. But why is insurance necessary and just how much should you get? Car crashes can result in a variety of different expenses, which your insurance can pay for based on the type of insurance you own. Without insurance, you run the risk of having to pay the total cost of the harm you cause others. Liability: Pays for expenses due to bodily injury and property damage to others where you are responsible. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Quotes Clermont