There are more drivers hitting the road each year. This could lead to an increased likelihood of a car accident. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Car insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, and specific other incidents, such as robbery. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Other kinds of car insurance, including emergency road service and car rental, are also available. Insurance Clermont