There are more cars and drivers hitting the road each year. This could lead to a higher possibility of a collision for you and your family. Automobile insurance can be the difference between a minor inconvenience and a large trial. But why do you need insurance and just how much should you buy? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, plus certain other occurrences, such as burglary. Without insurance, you risk having to pay the total cost of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: It pays for damages due to bodily injury and property damage to others that you have caused. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also cover lost earnings, replacement of services and funeral expenses. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, like emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Many drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Auto Insurance Clermont