Each year, more cars and drivers travel the roads. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. So how can you find out what insurance you need and how much to buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Your state or province certainly requires some type of auto insurance. Without insurance, you risk having to pay the total cost of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Liability pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws usually mandate standard amounts, but higher 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. Local law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other kinds of coverage, including car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some have consider car insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. Car Insurance Clermont