Every year, more cars and drivers hit the roads. With countless vehicles on the road, crashes will happen. The difference between a little aggravation and large pain can be car insurance. But why is insurance required by law and just how much should you get? Car insurance protects you by paying for damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, and specific other occurrences, such as theft. By not owning insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your defense and court costs. State laws usually require minimum amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other types of coverage, like car rental and emergency road service, are also available. Auto Insurance Quotes Clermont