There are more drivers on the road every year. As this number goes up, the chances of a car accident will also go up. The difference between a little aggravation and major pain can be your car insurance. So how do you know which type of insurance you need and how much you should buy? Car crashes can lead to many different expenses, which your car insurance might be able to pay for based on the insurance policy you have purchased. By not purchasing insurance, you run the risk of having to pay the full cost of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. If you are sued, liability insurance will pay for your legal fees. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. It can also cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Other policies, such as car rental and emergency road service, are also available. Auto Insurance Quotes Clermont