There are more cars hitting the road every year. As this number goes up, the chances of a car collision will also go up. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and how you can buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. No matter where you are living, you are required to buy some variety of auto insurance. By not purchasing insurance, you risk having to pay the total cost of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for expenses due to bodily injury and damage to property for which you are responsible. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It also covers your legal fees if you are sued. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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 crash. It is required in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy has been bought, the insured person will receive payment for necessary medical or funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, such as emergency road service, are also available. Insurance Clermont