The number of drivers on the road increases each and every year. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and major pain can be automobile insurance. How can you decide what insurance you need and how you can buy it? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you own. By not purchasing insurance, you run the risk of having to pay the total price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It also covers your defense and court costs if you are sued. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. This insurance will pay for all insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, such as emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * What coverage you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many drivers may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont