Each year, more cars and drivers travel the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. But why is insurance important and just how much should you buy? Auto insurance protects you by paying for injury or damage you cause others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, and certain other situations, such as theft. No matter where you are living, you will need to purchase some type of auto insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. 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 extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: * What coverage you select * The type of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Many 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 help of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont