The number of cars on the road increases every year. With the increasing number of vehicles on the road, crashes can happen. The difference between a small aggravation and major obstacle can be automobile insurance. But why do you need to own insurance and just how much should you buy? Auto insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, and specific other situations, such as robbery. Your state or province certainly requires some type of auto insurance. Without insurance, you risk having to pay the full cost of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Liability pays for the expenses you have caused to others 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 includes damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was at fault in the accident. It is commonly called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many drivers may not want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Insurance Clermont