There are more drivers hitting the road each year. With the increasing number of vehicles on the road, accidents can happen. Automobile insurance can make the difference between a small inconvenience and a large hassle. So how can you figure out what insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the total price of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for expenses due to bodily injury and damage to property where you are responsible. If you are sued, it also pays your defense and court costs. Recommended, higher levels of insurance are available that take care of more events 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. It can also cover lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many people think they can get by without car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont