Every year, more drivers hit America's roads. With the increasing number of vehicles on the road, accidents are going to happen. If you get in a car accident, the car insurance you own can make a large difference in what happens next. But why do you need insurance and just how much should you purchase? Auto insurance provides you with protection from paying for damage or injury you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, plus specific other incidents, such as robbery. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. This insurance can also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. If you purchase this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of car insurance, including emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: * What coverage you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont