There are more cars on the road each year. As this number goes up, the chances of a car collision will also increase. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and how you can purchase it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. By not purchasing insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. State laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This is required 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. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from burglary, 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: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other types of coverage, including car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont