Every year, more drivers hit the highways. With so many vehicles on the road, accidents are going to happen. If you get in a car crash, the auto insurance you own can make a big difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. No matter where you are living, you will need to purchase some type of auto insurance. Without insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: This type of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the collision. It is required in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. 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. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service and car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont