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There are more cars and drivers hitting the road each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small inconvenience and a large hassle. So how do you know what insurance you need and the quantity you should buy? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you own. By not purchasing insurance, you risk having to pay the total price of any harm you cause others. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. If you are sued, this type of insurance will pay for your legal fees. State laws usually require standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was responsible for the accident. It is occasionally called no-fault coverage. This insurance can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance takes care of any non-collision damages. This could include fire damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, including emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont