Every year, more cars hit the highways. This could lead to a higher possibility of a collision for you and your family. The difference between a little bother and major pain can be automobile insurance. So how do you know what insurance you need and how much to buy? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Your state or province certainly mandates some type of auto insurance. Without insurance, you run the risk of having to pay the full cost of the harm you cause others. Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. It can also cover your defense and court costs if you are sued. State laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. It can also cover lost earnings, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. This insurance will pay for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Insurance Clermont