Every year, more automobiles and drivers hit our roads and freeways. As this number increases, the chances of a car collision will also increase. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. But why do you need insurance and just how much should you purchase? Car accidents can result in a variety of different expenses, which can all be paid for based on the type of insurance you own. By not owning insurance, you run the risk of having to pay the full cost of any harm you cause others. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is sometimes referred to as no-fault coverage. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage has been bought, the insured person will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, including car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Clermont