The amount of drivers on the road increases each and every year. As this number goes up, the chances of a car collision will also increase. Automobile insurance can be the difference between a minor inconvenience and a major hassle. How can you determine what insurance you need and how you can buy it? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. No matter where you live, you are required to buy some variety of car insurance. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If you buy this type of coverage, you will receive payment for reasonable medical and funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage. Other types of car insurance, including emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont