There are more cars on the road each year. With the increasing number of vehicles on the road, crashes will happen. Automobile insurance can make the difference between a minor setback and a large trial. How can you determine what type of insurance you require and how to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Every state and province mandates automobile insurance by law. By not purchasing insurance, you run the risk of having to pay the total price of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are sued, it also pays your legal fees. Local laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance 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. This insurance can also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. If this policy is purchased, the insured person will receive coverage for all types of medical or funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, like emergency road service, can also be purchased. Auto Insurance Quotes Clermont