We see more and more drivers on the road each year. This can lead to an increased likelihood of a car accident. Automobile insurance can make the difference between a small inconvenience and a major hassle. But why is insurance important and just how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. No matter where you are living, you are required to buy some variety of car insurance. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is occasionally referred to as no-fault coverage. It can also pay for lost wages, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: This 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 may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Clermont