There are more cars and drivers hitting the road every year. As this number increases, the possibility of accidents also increases. The difference between a small bother and major pain can be your insurance. How can you determine what insurance you require and how to purchase it? Auto insurance provides you with protection from paying for injury or damage you cause others while you are driving, damage to your car or injury to you or your passengers from a crash, plus specific other occurrences, such as burglary. By not purchasing insurance, you run the risk of having to pay the total cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also cover lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. This insurance will pay for an insured person's necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont