Each year, more automobiles and drivers hit the roads. With countless vehicles on the road, crashes can happen. If you get in a car crash, the car insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Auto insurance is required by law in all states and provinces. By not owning insurance, you run the risk of having to pay the total cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. State laws usually require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. This insurance can also cover lost wages, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the right amount of car insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of car insurance, like car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Insurance Clermont