The number of drivers on the road increases each and every year. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and major pain can be your insurance. So how do you know what insurance you need and how much to buy? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you have purchased. Automobile insurance is required by law in all states and provinces. Without insurance, you run the risk of having to pay the total price of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. This insurance may also cover lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, like emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Auto Insurance Clermont