Each year, more cars and drivers hit America's roads. With the increasing number of vehicles on the road, accidents will happen. Car insurance can be the difference between a small setback and a major hassle. So how do you know which type of insurance you need and how much you should buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Without insurance, you run the risk of having to pay the full price of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for expenses due to personal injury and property damage to others that you have caused. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the accident. It is mandated in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage is purchased, the insured person will receive payment for all types of medical and funeral costs. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: *Your desired 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 Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Auto Insurance Clermont