We see more cars on the road every year. With the increasing number of vehicles on the road, crashes will happen. The difference between a small aggravation and major obstacle can be your car insurance. So how do you know what insurance you need and how much to purchase? Car crashes can result in a variety of different expenses, which your insurance can pay for based on the type of insurance you own. By not owning insurance, you run the risk of having to pay the full cost of the harm or injury you cause others. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is occasionally referred to as no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of auto insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other kinds of car insurance, like emergency road service and car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont