There are more cars and drivers hitting the road every year. As this number increases, the chances of a car wreck will also go up. The difference between a little aggravation and large pain can be your insurance. So how can you figure out what insurance you need and how much to buy? Auto insurance protects you by paying for damage or injury you cause others while driving your car, damage to your car or injury to you or your passengers from a crash, and certain other situations, such as burglary. No matter where you are living, you will need to buy some variety of auto insurance. Without insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers all non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, such as emergency road service, are also available. Car Insurance Quotes Clermont