There are more cars and drivers on the road each year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the car insurance you have can make a big difference in the experience you have. How can you decide what type of insurance you require and where you should go to buy it? Car crashes can result in many different expenses, which your car insurance can pay for based on the type of coverage you own. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. This insurance may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be covered under this type of car 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 a crash caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont