There are more cars on the road every year. With the increasing number of vehicles on the road, crashes can happen. The difference between a little aggravation and large pain can be your insurance. But why is insurance important and just how much do you need? Car insurance provides you with protection from paying for injury or damage you inflict on others while you are driving, damage to your car or injury to you or your passengers from an accidents, and specific other situations, such as burglary. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Liability pays for damages due to personal injury and damage to property for which you are responsible. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is sometimes referred to as no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: * 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 * The place where you live Don't procrastinate buying auto insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont