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Every year, more drivers hit the highways. With so many vehicles on the road, crashes can happen. The difference between a small aggravation and large obstacle can be automobile insurance. How can you decide what insurance you require and how you can buy it? Car insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, and certain other incidents, such as burglary. Choosing 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: Liability pays for expenses due to personal injury and property damage to others where you are responsible. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. If this policy is purchased, the insured person will receive payment for necessary medical and funeral expenses. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Other kinds of coverage, including emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: * What coverage you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont