We see more cars on the road every year. This can lead to a higher possibility of a collision. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. How can you decide what type of insurance you need and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This 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. It may also pay for lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance covers all non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other types of coverage, like emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple 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 * The place where you live Many people may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont