There are more cars on the road every year. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Car crashes can result in a variety of different expenses, which your car insurance can pay for based on the insurance policy you have purchased. Every state or province requires automobile insurance by law. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. It can also cover your defense and court costs if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This 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. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy has been bought, the insured person will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other kinds of coverage, like emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple 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 * The place where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Auto Insurance Clermont