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There are more drivers hitting the road each year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Car crashes can result in many different expenses, which your car insurance can pay for based on the type of insurance you own. No matter where you are living, you are required to buy some type of auto insurance. Choosing to drive without 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: Bodily injury and property damage that you have caused will be covered under liability insurance. It also covers your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is required 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. This insurance may also cover lost earnings, service replacement and funeral costs. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the proper amount of insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service and car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Some people don't want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont