We see more and more drivers on the road every year. With so many vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you own can make a large difference in the experience you have. So how do you know what insurance you need and the quantity you should buy? Car accidents can result in a variety of different expenses, which can all be paid for based on the type of insurance you have purchased. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: It pays for expenses due to personal injury and property damage to others that you have caused. It can also cover your legal fees if you are sued. State laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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 typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving without having the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance coverage. Other policies, such as car rental and 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 * 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 fiasco. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Clermont