There are more cars and drivers on the road every year. This could lead to an increased likelihood of a car accident. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. But why is insurance necessary and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. No matter where you live, you are required to purchase some type of auto insurance. Without insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: Liability pays for expenses due to personal injury and property damage to others when you are responsible. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other policies, like car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * Which policies you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont