There are more drivers hitting the road every year. With countless vehicles on the road, crashes will happen. The difference between a small aggravation and major pain can be your car insurance. But why is insurance important and just how much should you get? Car crashes can result in many different expenses, which can all be paid for based on the type of insurance you have purchased. Your state or province definitely mandates some type of auto insurance. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. If this policy has been purchased, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other types of coverage, including emergency road service, are also available. Auto Insurance Clermont