The number of cars and drivers on the road increases each year. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a minor inconvenience and a large trial. How can you decide what insurance you require and how to purchase it? Car insurance protects you by paying for damage or injury you cause others while you are driving, damage to your vehicle or personal injury or injury to your passengers from an accidents, plus specific other situations, such as theft. Deciding 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: This type of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. It may also cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. It pays for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of coverage, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Auto Insurance Clermont