We see more and more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Auto insurance protects you by covering the cost of injury or damage you inflict on others while you are driving, damage to your car or personal injury or injury to your passengers from a crash, plus certain other incidents, such as theft. Your state or province certainly requires some type of auto insurance. Without insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, liability insurance will pay for your legal fees. Local laws usually mandate minimum amounts of liability insurance, but larger amounts are available and 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 government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This may include flood damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Auto Insurance Clermont