You will see more and more cars on the road every year. With countless vehicles on the road, accidents will happen. The difference between a small aggravation and large obstacle can be your car insurance. So how do you know what type of car insurance you need and the quantity you should buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Car insurance is mandated by state law. By not purchasing insurance, you run the risk of having to pay the total cost of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for damages due to bodily injury and property damage to others for which you are responsible. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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 can also cover lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. If you buy this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Insurance Clermont