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The amount of cars and drivers on the road increases each and every year. With so many vehicles on the road, crashes are going to happen. The difference between a little bother and large obstacle can be your car insurance. But why do you need to own insurance and exactly how much should you buy? Car insurance protects you by covering the cost of injury or damage you inflict on others while you are driving, damage to your car or personal injury or injury to your passengers from a crash, and certain other incidents, such as theft. By not owning insurance, you risk having to pay the full cost of any harm you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may be responsible. If this policy is bought, the insured person will receive payment for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without sufficient insurance protection. Other types of car insurance, including emergency road service and car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: * What coverage you select * The type of the car you drive * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Insurance Clermont