There are more cars hitting the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a small bother and major obstacle can be your car insurance. How can you decide what insurance you need and how to buy it? Car accidents can lead to many different expenses, which can all be paid for based on the type of coverage you have purchased. Every state or province mandates automobile insurance by law. Without insurance, you run the risk of having to pay the total price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are sued, it also pays your court costs. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the accident. It is required in some states and optional in others. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some people may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont