The number of cars on the road increases each year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car crash, the car insurance you own can make a big difference in what happens next. So how do you know what insurance you need and how much to buy? Car crashes can result in many different expenses, which can all be paid for based on the type of insurance you have purchased. Making the decision to drive without owning 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: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. If you are in legal trouble, it also pays your legal fees. Local laws typically mandate standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This is mandated 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. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of car insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of car insurance, including emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. Insurance Clermont