The amount of drivers on the road increases every year. This could lead to a higher possibility of a collision for you and your family. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. How can you decide what insurance you require and how to buy it? Car crashes can lead to a variety of different expenses, which can all be paid for based on the insurance policy you own. Choosing to drive without insurance could cause you 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 accident, including property damage and injury. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. This insurance will pay for an insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance covers any non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired 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 Some have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. Insurance Clermont