You will see more drivers on the road each year. This could lead to a higher possibility of a car accident. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Car crashes can lead to many different expenses, which your car insurance might be able to pay for based on the type of coverage you own. By not purchasing insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws typically require standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This 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. It can also cover lost earnings, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving without having the proper amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other types of coverage, like car rental, are also available. Insurance Clermont