There are more drivers on the road every year. As this number goes up, the chances of a car collision will also go up. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. How can you decide what insurance you require and how you can buy it? Car insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and certain other situations, such as theft. No matter where you live, you are required to buy some type of auto insurance. Without insurance, you risk having to pay the full cost of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws typically require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was responsible for the crash. It is occasionally referred to as no-fault coverage. Local law 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. It pays for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include hail 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: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Insurance Clermont