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The number of cars on the road increases each year. As this number goes up, the chances of a car accident will also go up. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and how you can purchase it? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, plus specific other occurrences, such as theft. Automobile insurance is required by law in all states and provinces. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of car insurance, like emergency road service, can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont