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Every year, more cars and drivers hit the roads. With countless vehicles on the road, accidents can happen. Automobile insurance can make the difference between a minor inconvenience and a major trial. So how can you find out what type of car insurance you need and the quantity you should purchase? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Making the decision 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: Personal injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. The minimum amount of personal injury protection 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 collision. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the right amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other types of car insurance, like emergency road service and car rental, are also available. Auto Insurance Clermont