There are more cars hitting the road every year. This can lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a small setback and a large trial. But why do you need to own insurance and exactly how much should you buy? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, plus specific other situations, such as robbery. No matter where you live, you will need to purchase some type of car insurance. Without insurance, you risk having to pay the total price of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, liability insurance can pay for your legal fees. Local laws usually require minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the accident. It is occasionally called no-fault coverage. This insurance can also cover lost wages, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. If you buy this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the proper amount of car insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont