There are more cars and drivers hitting the road every year. This could lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a minor inconvenience and a major trial. 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 car repairs to replacement costs. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Pays for expenses due to personal injury and property damage to others when you are responsible. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It can also cover your legal fees if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the crash. It is occasionally called 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 pays regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of car insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont