Each year, more automobiles and drivers hit America's roads. With the increasing number of vehicles on the road, crashes will happen. Automobile insurance can be the difference between a minor setback and a major trial. But why do you need to own insurance and just how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Every state or province requires car insurance by law. By not owning insurance, you run the risk of having to pay the total cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for expenses due to bodily injury and property damage to others where you are responsible. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of car insurance, like emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont