You will see more and more drivers on the road every year. This could lead to an increased likelihood of a collision. Automobile insurance can make the difference between a minor inconvenience and a large trial. How can you decide what type of insurance you need and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Without insurance, you risk having to pay the full cost of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are in legal trouble, it also pays your court costs. State laws typically require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is required 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. This insurance may also cover lost earnings, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Other types of car insurance, such as emergency road service and car rental, can also be purchased. Car Insurance Quotes Clermont