The amount of drivers on the road increases every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a minor setback and a large hassle. But why do you need to own insurance and exactly how much should you buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Every state or province mandates automobile insurance by law. By not owning insurance, you run the risk of having to pay the total cost of the harm you cause others. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. 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 local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy is bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the proper amount of insurance. This type of coverage will cover 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 a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Clermont