We see more and more cars on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small inconvenience and a large hassle. How can you determine what type of insurance you need and where you should go to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Pays for expenses due to personal injury and damage to property for which you are responsible. If you are in legal trouble, liability insurance will pay for your legal fees. State laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. 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. It can also pay for lost earnings, service replacement and funeral costs. State government 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. It pays for all insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include flood damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other policies, including car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont