You will see more and more cars on the road each year. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a minor inconvenience and a large trial. How can you decide what type of insurance you require and where you should go to buy it? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Car insurance is required by state law. By not owning insurance, you run the risk of having to pay the total price of any harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, this type of insurance will pay for your defense and court costs. Local laws usually require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. It may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. 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. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the proper amount of insurance. This type of coverage will protect you if one of these drivers hit you. 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. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont