Each year, more cars hit the highways. As this number increases, the chances of a car collision will also increase. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. But why do you need to own insurance and just how much should you purchase? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Automobile insurance is required by law in all states and provinces. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. It can also cover your legal fees if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. It can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other policies, like car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont