Every year, more automobiles and drivers are on the roads. As this number goes up, the chances of a car wreck will also go up. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Car insurance protects you by covering the cost of damage or injury you inflict on others while driving your car, damage to your vehicle or injury to you or your passengers from an accidents, plus certain other situations, such as burglary. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This kind of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. State laws usually require minimum amounts of liability insurance, but higher amounts are available and usually recommended. 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. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. It pays for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This 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 will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, including car rental and emergency road service, are also available. Auto Insurance Clermont