The number of cars and drivers on the road increases every year. With so many vehicles on the road, accidents are going to happen. The difference between a small bother and major obstacle can be automobile insurance. How can you determine what insurance you need and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. No matter where you are living, you are required to purchase some variety of car insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance covers any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: *Your desired 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 think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont