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Every year, more cars hit the highways. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a minor inconvenience and a large trial. How can you decide what insurance you need and how you can buy it? Car crashes can lead to many different expenses, which can all be paid for based on the type of insurance you own. Every state or province mandates car insurance by law. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. State laws usually require standard amounts, but larger amounts are available and very beneficial. 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 earnings, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. This insurance will pay for an insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including emergency road service, can also be purchased. Auto Insurance Quotes Clermont