There are more drivers hitting the road each year. With countless vehicles on the road, accidents can happen. The difference between a little aggravation and major pain can be automobile insurance. But why do you need insurance and just how much do you need? Car insurance provides you with protection from covering the cost of injury or damage you cause others while you are driving, damage to your car or injury to you or your passengers from an accidents, plus certain other incidents, such as robbery. By not owning insurance, you run the risk of having to pay the full price of the harm you cause others. Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. 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 accident. It is commonly referred to as no-fault coverage. This insurance may also cover lost wages, replacement of services and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. If you buy this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * What coverage you select * The type of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Some have consider car 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 help of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont