There are more drivers hitting the road each year. With countless vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need to own insurance and exactly how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Every state or province requires auto insurance by law. Making the decision 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: This type of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is sometimes referred to as no-fault coverage. It can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you drive * Whether or not you have been in an accident * 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 dilemma. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont