There are more drivers on the road each year. With so many vehicles on the road, crashes can happen. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much should you buy? Auto insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or your passengers, and certain other situations, such as theft. No matter where you live, you will need to buy some type of auto insurance. By not purchasing insurance, you run the risk of 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: Liability pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is sometimes referred to as no-fault coverage. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Other kinds of coverage, including emergency road service, are also available. Auto Insurance Clermont