Each year, more automobiles and drivers travel the highways. As this number increases, the possibility of accidents also increases. The difference between a small bother and large pain can be automobile insurance. But why do you need insurance and exactly how much should you purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Without insurance, you risk having to pay the full cost of the harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It also covers your legal fees if you are sued. State laws typically require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the accident. It is occasionally called no-fault coverage. It can also pay for lost wages, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Quotes Clermont