Every year, more cars and drivers travel the highways. With countless vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Car crashes can lead to a variety of different expenses, which your insurance can pay for based on the insurance policy you own. Car insurance is required by law in all states and provinces. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws usually mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This is required 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 this insurance is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance protection. Other types of car insurance, such as emergency road service, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Auto Insurance Clermont