The number of cars and drivers on the road increases every year. This can lead to a higher possibility of a collision for you and your family. Car insurance can be the difference between a small inconvenience and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Car insurance provides you with protection from covering the cost of damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, plus certain other occurrences, such as robbery. Every state and province mandates auto insurance by law. By not owning insurance, you risk having to pay the full cost of any harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It also covers your legal fees if you are sued. State laws typically mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the crash. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Quotes Clermont