You will see more and more cars on the road each year. With countless vehicles on the road, accidents can happen. Automobile insurance can be the difference between a minor setback and a large trial. How can you decide what insurance you require and where you should go to buy it? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Your state or province definitely mandates some type of car insurance. By not owning insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other policies, such as emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many drivers don't want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Insurance Clermont