There are more cars and drivers on the road each year. As this number goes up, the chances of a car collision will also go up. Automobile insurance can make the difference between a small setback and a major hassle. But why do you need insurance and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are sued, it also pays your court costs. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was at fault in the accident. It is commonly referred to as no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other kinds of car insurance, such as emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you select * The make and model of the car you own * Your driving record * Your age, sex and marital status * Where you live Many drivers don't want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Insurance Clermont