There are more cars on the road every year. With so many vehicles on the road, crashes are going to happen. Car insurance can be the difference between a small setback and a major trial. How can you determine what insurance you require and how to purchase it? Auto insurance provides you with protection from paying for injury or damage you cause others while driving your car, damage to your vehicle or injury to you or your passengers from a crash, and certain other situations, such as robbery. Auto insurance is mandated by law in all states and provinces. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. It can also cover your legal fees if you are sued. Local laws usually require minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is occasionally called no-fault coverage. It can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance coverage. Other types of coverage, like emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. Auto Insurance Clermont