Each year, more drivers travel America's roads. As this number goes up, the chances of a car collision will also increase. If you get in a car wreck, the car insurance you have can make a big difference in what happens next. But why do you need insurance and just how much should you purchase? Auto insurance protects you by covering the cost of injury or damage you inflict on others while you are driving, damage to your car or injury to you or your passengers from an accidents, plus specific other situations, such as burglary. By not owning insurance, you run the risk of having to pay the total price of the harm you cause others. Liability: Pays for damages due to personal injury and property damage to others that you have caused. Bodily injury damages include medical fees, 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. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is commonly called no-fault coverage. It may also pay for lost earnings, service replacement and funeral costs. Local government typically 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. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash 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 pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of car insurance, like emergency road service, are also available. Car Insurance Quotes Clermont