The number of cars on the road increases each and every year. This could lead to a higher possibility of a car accident for you and your family. Car insurance can make the difference between a small setback and a major hassle. How can you determine what insurance you require and how to buy it? Car insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from an accidents, and certain other occurrences, such as theft. Every state or province requires car insurance by law. Without insurance, you run the risk of having to pay the full cost of the harm you cause others. Liability: Liability pays for expenses due to bodily injury and property damage to others when you are responsible. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. If you are sued, it also pays your defense and court costs. Local laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of this insurance is usually set by local government. 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. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning 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: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, such as car rental, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont