There are more drivers on the road every year. This could lead to a higher possibility of a collision for you and your family. Automobile insurance can make the difference between a minor setback and a major hassle. But why do you need insurance and just how much should you buy? Car crashes can result in a variety of different expenses, which your insurance might be able to pay for based on the insurance policy you have purchased. Your state or province definitely mandates some type of auto insurance. By not owning insurance, you risk having to pay the full price of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was at fault in the accident. It is sometimes called no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other types of coverage, including car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you should never be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Clermont