Each year, more drivers travel our roads and freeways. This can lead to a higher possibility of a car accident for you and your family. The difference between a small bother and major obstacle can be car insurance. But why do you need to own insurance and exactly how much should you purchase? Car insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, plus specific other occurrences, such as robbery. By not owning insurance, you risk having to pay the total cost of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. If you are in legal trouble, it also pays your legal fees. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is sometimes called no-fault coverage. It may also cover lost wages, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been bought, the insured person will receive coverage for all types of medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people have consider car 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 agent, make the decision that best suits you. Car Insurance Quotes Clermont