Every year, more drivers travel the highways. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. But why do you need insurance and exactly how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Without insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. If this policy has been purchased, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other types of coverage, including car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont