There are more cars and drivers hitting the road every year. This can lead to a higher possibility of a collision for you and your family. The difference between a small aggravation and major obstacle can be car insurance. But why do you need insurance and just how much should you buy? Car accidents can lead to many different expenses, which your insurance might be able to pay for based on the insurance policy you own. Every state and province requires car insurance by law. Without insurance, you run the risk of having to pay the total price of any harm you cause others. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, this type of insurance will pay for your court costs. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This 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. 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. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other policies, including car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont