Every year, more automobiles and drivers travel the roads. With countless vehicles on the road, accidents will happen. Automobile insurance can make the difference between a small inconvenience and a large hassle. So how do you know what type of car insurance you need and the quantity you should buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the full cost of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a crash. If this type of coverage is bought, the insured person will receive payment for reasonable medical or funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, such as car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Clermont