Each year, more cars and drivers travel the highways. As this number increases, the chances of a car collision will also increase. Car insurance can make the difference between a minor setback and a major hassle. But why is insurance necessary and just how much do you need? Car crashes can result in a variety of different expenses, which can all be paid for based on the type of coverage you own. No matter where you live, you will need to purchase some type of car insurance. Without insurance, you risk having to pay the total cost of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for the expenses you are responsible for in a car accident, including injury and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. If you buy this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont