The amount of drivers on the road increases each year. This can lead to a higher possibility of a collision for you and your family. Car insurance can make the difference between a small setback and a large trial. But why do you need to own insurance and just how much should you purchase? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to others, yourself, or your passengers, plus certain other occurrences, such as robbery. No matter where you live, you are required to buy some type of car insurance. By not owning insurance, you risk having to pay the full price of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the accident. It is required in some states and optional in others. It may also cover lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. 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. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Clermont