There are more cars and drivers hitting the road each year. This can lead to a higher possibility of a car accident. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. But why is insurance necessary and just how much do you need? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, plus specific other situations, such as theft. Without insurance, you run the risk of having to pay the total price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, it also pays your defense and court costs. Local laws usually require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the crash. It is commonly referred to as no-fault coverage. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage has been bought, the insured person will receive coverage for all types of medical or funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Other types of coverage, such as emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont