Each year, more automobiles and drivers hit the highways. This can lead to an increased likelihood of a car accident. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. So how can you find out what type of car insurance you need and the quantity you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Every state and province requires auto insurance by law. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance are available that cover 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 can also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, 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. This type of insurance protects you from those drivers. Other policies, including car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you choose * The make and model of the car you own * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont