There are more cars on the road every year. This can lead to an increased likelihood of a collision. 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 required by law and just how much do you need? Car insurance provides you with protection from covering the cost of damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or your passengers, and specific other incidents, such as burglary. Your state or province definitely mandates some type of auto insurance. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage is bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, 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 a driver who does not have enough liability insurance to cover the total cost of the damages. Other kinds of car insurance, including car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * Which policies you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. Auto Insurance Clermont