Every year, more cars travel the highways. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. But why do you need insurance and just how much should you buy? Auto insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, plus specific other incidents, such as robbery. By not purchasing insurance, you risk having to pay the total cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the collision. It is commonly referred to as no-fault coverage. It may also cover lost wages, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, like emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont