We see more and more drivers on the road every year. As this number goes up, the chances of a car collision will also go up. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how do you know what type of car insurance you need and how much to buy? Car accidents can result in a variety of different expenses, which can all be paid for based on the type of coverage you have purchased. Making the decision to drive without insurance could mean you have 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 property damage to others when you are responsible. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This could include hail damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. 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. Under-insured motorist coverage protects you from those drivers. Other types of coverage, like emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you should never be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Clermont