Every year, more automobiles and drivers are on the roads. This could lead to an increased likelihood of a car accident. Car insurance can be the difference between a minor inconvenience and a major trial. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. By not owning insurance, you risk having to pay the total price of any harm or injury 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 this type of insurance. It also covers your defense and court costs if you are sued. Local laws usually mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This 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. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other policies, such as emergency road service, are also available. Car Insurance Quotes Clermont