Each year, more automobiles and drivers hit the highways. This could lead to a higher possibility of a collision. Automobile insurance can make the difference between a minor inconvenience and a major trial. But why is insurance necessary and just how much do you need? Car insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, and specific other incidents, such as robbery. Without insurance, you run the risk of having to pay the total price of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. This insurance can also cover lost wages, service replacement and funeral expenses. Local 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. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the right amount of car insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of car insurance, such as emergency road service, are also available. Car Insurance Quotes Clermont