Each year, more cars hit America's roads. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how do you know what insurance you need and how much you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. No matter where you are living, you will need to purchase some type of auto insurance. Without insurance, you risk having to pay the total price of the harm or injury you cause others. Liability: Liability pays for expenses due to bodily injury and property damage to others that you have caused. If you are in legal trouble, liability insurance will pay for your defense and court costs. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required 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. It can also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Quotes Clermont