The amount of cars and drivers on the road increases each and every year. As this number increases, the chances of a car wreck will also go up. If you get in a car crash, the car insurance you own can make a large difference in what happens next. How can you determine what insurance you require and how you can purchase it? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Liability pays for expenses due to personal injury and damage to property where you are responsible. If you are sued, this type of insurance can pay for your defense and court costs. State laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of car insurance, including emergency road service, are also available. Insurance Clermont