Each year, more cars and drivers hit America's roads. This can lead to a higher possibility of a car accident for you and your family. The difference between a little bother and major obstacle can be automobile insurance. How can you decide what insurance you need and how to buy it? Car insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, plus certain other situations, such as theft. 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: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of property use. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. This insurance can also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, like emergency road service, are also available. Auto Insurance Clermont