There are more cars and drivers on the road every year. As this number increases, the chances of a car wreck will also go up. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much should you get? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you own. Automobile insurance is mandated by law in all states and provinces. Without insurance, you risk having to pay the total price of any harm you cause others. Liability: Pays for expenses due to bodily injury and damage to property that you are responsible for. It can also cover your defense and court costs if you are sued. State laws usually require minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This 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 can also pay for lost earnings, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. 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 * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont