Every year, more cars and drivers hit the highways. As this number increases, the chances of a car accident will also go up. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. But why is insurance necessary and just how much should you buy? Auto insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, and certain other incidents, such as robbery. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. 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 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. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. If this policy is purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance coverage. Other policies, including emergency road service, are also available. Insurance Clermont