There are more cars on the road every year. This can lead to an increased likelihood of a collision. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. How can you decide what type of insurance you need and how to buy it? Car insurance provides you with protection from paying for damage caused to your car or someone else's car and injury to others, yourself, or passengers in your car, plus specific other situations, such as robbery. Your state or province definitely mandates some type of auto insurance. By not owning insurance, you risk having to pay the full price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the right amount of insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of car 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 fits you best. Auto Insurance Clermont