There are more cars and drivers hitting the road every year. This can lead to an increased likelihood of a car accident. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. No matter where you are living, you are required to buy some type of car insurance. Without insurance, you run the risk of having to pay the full price of any 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 are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your legal fees. Local laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. It may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the proper amount of insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like car rental, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. Auto Insurance Clermont