We see more cars on the road every year. This could lead to an increased likelihood of a car accident. The difference between a little bother and major obstacle can be automobile insurance. But why is insurance required by law and just how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. By not purchasing insurance, you risk having to pay the total cost of the harm or injury you cause others. Liability: This kind of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include fire damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other kinds of car insurance, including emergency road service, can also be purchased. Auto Insurance Quotes Clermont