The amount of drivers on the road increases each year. This can lead to a higher possibility of a car accident for you and your family. The difference between a small bother and major obstacle can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Car accidents can lead to many different expenses, which your car insurance can pay for based on the insurance policy you have purchased. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the lower, 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 personal injury protection is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Insurance Clermont