There are more cars and drivers hitting the road each year. As this number increases, the chances of a car collision will also go up. Car insurance can be the difference between a minor setback and a large hassle. But why do you need insurance and just how much do you need? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. If you are sued, this type of insurance can pay for your court costs. State laws typically require minimum amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is sometimes referred to as no-fault coverage. This insurance may also cover lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other policies, including emergency road service, are also available. Car Insurance Quotes Clermont