Every year, more cars hit the highways. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and large obstacle can be car insurance. But why do you need to own insurance and exactly how much should you buy? Car insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, plus specific other situations, such as burglary. Every state or province mandates auto insurance by law. By not owning insurance, you run the risk of having to pay the full cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It also covers your legal fees if you are sued. Local laws usually require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the crash. It is required in some states and optional in others. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may be responsible. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without having the proper amount of car insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. 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 in accidents involving those drivers. Other types of coverage, like emergency road service, are also available. Auto Insurance Quotes Clermont