There are more drivers on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. How can you decide what insurance you require and how to purchase it? Car accidents can lead to a variety of different expenses, which your insurance can pay for based on the type of insurance you have purchased. Choosing to drive without owning 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 are responsible for will be paid for under this type of insurance. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was responsible for the accident. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage is purchased, the insured person will receive payment for necessary medical and funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the proper amount of car insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. 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. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have consider auto 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 agency, make the decision that best suits you. Auto Insurance Clermont