The amount of cars on the road increases each year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the car insurance you have can make a large difference in what happens next. But why do you need insurance and just how much should you purchase? Car accidents can lead to a variety of different expenses, which your insurance might be able to pay for based on the type of coverage you have purchased. Car insurance is required by state law. Electing to drive without owning 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: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of 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. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. If you purchase this type of coverage, you will receive payment for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, including emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you choose * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Auto Insurance Clermont