There are more drivers on the road every year. With countless vehicles on the road, accidents will happen. The difference between a small aggravation and major obstacle can be the car insurance you own. But why do you need insurance and just how much should you get? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Every state and province mandates car insurance by law. By not owning insurance, you run the risk of having to pay the full cost of the harm you cause others. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws typically require minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the crash. It is sometimes referred to as no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, like emergency road service and car rental, are also available. Auto Insurance Clermont