There are more cars on the road every year. As this number increases, the possibility of accidents also increases. The difference between a small bother and major obstacle can be automobile insurance. So how do you know what insurance you need and how much to buy? 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 specific other situations, such as robbery. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some 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 best suits you. Auto Insurance Clermont