There are more cars on the road every year. With countless vehicles on the road, crashes will happen. Automobile insurance can make the difference between a small setback and a major hassle. But why is insurance required by law and just how much should you buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Your state or province certainly mandates some type of auto insurance. Without insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: Pays for expenses due to bodily injury and property damage to others that you have caused. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws usually mandate minimum amounts, but higher amounts are available and very beneficial. 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 personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the right amount of car insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial crisis. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Auto Insurance Clermont