The number of drivers on the road increases each and every year. As this number increases, the chances of a car accident will also go up. If you get in a car accident, the auto insurance you have can make a large difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. By not purchasing insurance, you run the risk of having to pay the total price of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This 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 the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Quotes Clermont