The amount of cars on the road increases each year. With the increasing number of vehicles on the road, crashes can happen. Automobile insurance can make the difference between a minor inconvenience and a major trial. But why do you need to own insurance and exactly how much should you buy? Car insurance provides you with protection from covering the cost of injury or damage you inflict on others while driving your car, damage to your vehicle or injury to you or your passengers from a crash, and certain other occurrences, such as burglary. Without insurance, you risk having to pay the total cost of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. State laws typically require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is occasionally referred to as no-fault coverage. This insurance can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Other types of car insurance, like emergency road service and car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have consider auto insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont