We see more and more drivers on the road each year. As this number goes up, the chances of a car accident will also go up. Automobile insurance can make the difference between a small inconvenience and a large trial. So how do you know what insurance you need and how much to buy? Car insurance provides you with protection from covering the cost of damage caused to your car or another person's car and injury to others, yourself, or passengers in your car, and certain other occurrences, such as theft. Without insurance, you risk having to pay the full cost of the harm or injury you cause others. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the crash. It is required in some states and optional in others. It may also cover lost wages, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit 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 protects you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some people may not want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont