There are more cars hitting the road each year. With the increasing number of vehicles on the road, crashes can happen. The difference between a little aggravation and major pain can be your insurance. But why do you need insurance and just how much should you buy? Car insurance provides you with protection from paying for damage caused to your car or someone else's car and injury to other people, yourself, or passengers in your car, and specific other occurrences, such as burglary. Automobile insurance is mandated by law in all states and provinces. Without insurance, you run the risk of having to pay the total price of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was responsible for the crash. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers all non-collision damages. This may include fire damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance coverage. Other types of coverage, like car rental, are also available. Auto Insurance Clermont