Every year, more drivers hit our roads and freeways. As this number increases, the chances of a car collision will also increase. The difference between a small aggravation and major pain can be car insurance. But why do you need insurance and exactly how much should you purchase? Car accidents can lead to a variety of different expenses, which can all be paid for based on the type of insurance you have purchased. Automobile insurance is required by law in all states and provinces. Without insurance, you run the risk of having to pay the total cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was responsible for the accident. It is required in some states and optional in others. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other kinds of coverage, like emergency road service, can also be purchased. Insurance Clermont