Each year, more cars travel the highways. This could lead to a higher possibility of a car accident for you and your family. The difference between a little aggravation and large pain can be your car insurance. But why do you need to own insurance and exactly how much should you buy? Car insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, plus certain other incidents, such as theft. By not owning insurance, you risk having to pay the full cost of any harm or injury you cause others. Liability: It pays for damages due to bodily injury and property damage to others that you are responsible for. If you are in legal trouble, liability insurance can pay for your legal fees. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance protection. Other types of coverage, such as car rental, can also be purchased. Car Insurance Quotes Clermont