There are more cars hitting the road each year. With so many vehicles on the road, accidents can happen. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Auto insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, plus specific other incidents, such as burglary. Without insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. If you buy this type of coverage, you will receive payment for reasonable medical and funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance covers all non-collision damages. This may include weather damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, like car rental, are also available. What you pay for car insurance varies by 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 * Where you live Don't wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Insurance Clermont