We see more and more drivers on the road every year. This can lead to an increased likelihood of a car accident. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Car accidents can lead to a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you have purchased. Car insurance is required by state law. By not owning insurance, you risk 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: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your court costs. State laws typically require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for necessary medical or funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Quotes Clermont