There are more cars on the road every year. This could lead to a higher possibility of a collision. Car insurance can make the difference between a minor inconvenience and a large hassle. So how can you find out what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. By not purchasing insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are sued, this type of insurance can pay for your legal fees. Local laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. 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. It can also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the proper amount of insurance. This insurance 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 drivers without enough insurance protection. Other policies, including car rental and emergency road service, are also available. Car Insurance Quotes Clermont