Every year, more cars hit America's roads. This could lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and large pain can be the car insurance you have purchased. So how do you know which type of insurance you need and how much you should buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Your state or province definitely requires some type of car insurance. By not owning insurance, you run the risk of having to pay the full cost of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers 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 insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for a crash. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the right amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Clermont