The number of cars and drivers on the road increases each year. With so many vehicles on the road, crashes can happen. Car insurance can be the difference between a small setback and a major trial. So how can you figure out what insurance you need and how much to buy? Auto insurance provides you with protection from covering the cost of injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, plus certain other incidents, such as burglary. By not purchasing insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are in legal trouble, it also pays your legal fees. State laws typically mandate standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of coverage, including emergency road service, are also available. Auto Insurance Clermont