Each year, more drivers travel America's roads. With the increasing number of vehicles on the road, crashes will happen. Car insurance can be the difference between a minor inconvenience and a large hassle. But why do you need insurance and just how much should you buy? Car insurance protects you by paying for damage caused to your car or someone else's car and injury to others, yourself, or your passengers, and certain other incidents, such as theft. By not purchasing insurance, you risk having to pay the total cost of the harm you cause others. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are in legal trouble, this type of insurance can pay for your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. This insurance may also cover lost earnings, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Insurance Clermont