There are more drivers hitting the road every year. This can lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the car insurance you own can make a big difference in what happens next. How can you decide what insurance you require and how you can buy it? Auto insurance provides you with protection from covering the cost of injury or damage you cause others while you are driving, damage to your car or injury to you or your passengers from a crash, and specific other situations, such as theft. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more 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 may also cover lost wages, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This could include weather damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, including car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Insurance Clermont