Every year, more cars hit America's roads. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a small setback and a major trial. But why do you need to own insurance and exactly how much should you purchase? Car crashes can lead to many different expenses, which can all be paid for based on the type of coverage you have purchased. No matter where you live, you are required to purchase some type of car insurance. By not owning insurance, you risk having to pay the total price of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was responsible for the crash. It is sometimes referred to as no-fault coverage. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Other kinds of car insurance, such as emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple 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 Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Auto Insurance Clermont