There are more cars on the road each year. As this number increases, the chances of a car wreck will also increase. The difference between a little bother and major pain can be automobile insurance. So how do you know which type of insurance you need and how much to buy? Auto insurance provides you with protection from paying for damage or injury you cause others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, and specific other situations, such as burglary. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. It also covers your defense and court costs if you are sued. State laws usually mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. If you buy this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Other types of car insurance, like emergency road service, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Insurance Clermont