We see more and more cars on the road each year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. But why is insurance important and just how much do you need? 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, and specific other incidents, such as robbery. By not owning insurance, you run the risk of having to pay the full cost of the harm or injury you cause others. 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 can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage 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 irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * What coverage you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Insurance Clermont