There are more drivers on the road each year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. 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 for which you might be responsible. Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated 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. This insurance may also cover lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages 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 full cost of the damages. 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 several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender 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 fiasco. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Clermont