The amount of drivers on the road increases every year. With countless vehicles on the road, crashes are going to happen. The difference between a little bother and large pain can be your insurance. How can you decide what insurance you require and how you can purchase it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: It pays for damages due to personal injury and property damage to others for which you are responsible. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws usually mandate minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of car insurance, such as emergency road service, can also be purchased. Auto Insurance Clermont