Each year, more cars and drivers hit the roads. As this number goes up, the possibility of accidents also goes up. The difference between a small aggravation and large obstacle can be the car insurance you have purchased. So how can you find out what type of car insurance you need and the quantity you should purchase? Auto insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or your passengers, plus certain other incidents, such as robbery. Without insurance, you risk having to pay the full cost of the harm or injury you cause others. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of auto insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance coverage. Other kinds of car insurance, like car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Auto Insurance Clermont