There are more drivers hitting the road every year. With so many vehicles on the road, crashes can happen. Car insurance can make the difference between a small setback and a major trial. How can you decide what insurance you require and how you can purchase it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Without insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: It pays for damages due to personal injury and damage to property when you are responsible. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may be responsible. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers all non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of coverage, like emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont