Each year, more cars and drivers are on the highways. With so many vehicles on the road, accidents will happen. Car insurance can be the difference between a small inconvenience and a major hassle. How can you determine what type of insurance you require and how to buy it? Car accidents can lead to a variety of different expenses, which your insurance might be able to pay for based on the insurance policy you have purchased. No matter where you live, you are required to purchase some type of auto insurance. By not owning insurance, you risk having to pay the full cost of the harm you cause others. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws usually require standard amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is sometimes called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. If this policy has been purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: * What coverage you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont