The amount of cars and drivers on the road increases every year. As this number goes up, the possibility of accidents also goes up. The difference between a small bother and large obstacle can be the car insurance you own. But why do you need insurance and exactly how much should you buy? Car insurance protects you by covering the cost of injury or damage you inflict on others while you are driving, damage to your car or injury to you or your passengers from a crash, and specific other situations, such as burglary. By not owning insurance, you run the risk of having to pay the total price of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. 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 typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the proper amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont