There are more cars and drivers hitting the road each year. This could lead to a higher possibility of a collision. Automobile insurance can be the difference between a minor setback and a major hassle. How can you decide what insurance you require and how to buy it? Car crashes can result in a variety of different expenses, which can all be paid for based on the type of coverage you have purchased. By not purchasing insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, liability insurance will pay for your legal fees. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy has been bought, the insured person will receive coverage for necessary medical and funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include weather damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: * Which policies you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people may not want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont