Each year, more cars and drivers hit the highways. As this number increases, the chances of a car collision will also go up. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. How can you determine what type of insurance you need and how to buy it? Car accidents can result in a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you have purchased. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. It pays for an insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the right amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance protection. Other types of coverage, like car rental, are also available. What you pay for car insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some people think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Auto Insurance Clermont