Every year, more drivers hit America's roads. With countless vehicles on the road, crashes are going to happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and how much you should buy? Car crashes can result in many different expenses, which your car insurance can pay for based on the insurance policy you own. Every state and province requires auto insurance by law. Without insurance, you risk having to pay the full cost of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you have caused. These damages might include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance can also cover lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance protection covers all non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people may not want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont