Every year, more automobiles and drivers travel the roads. As this number increases, the chances of a car wreck will also go up. Automobile insurance can be the difference between a small inconvenience and a large trial. But why is insurance required by law and just how much do you need? Car crashes can lead to many different expenses, which your car insurance might be able to pay for based on the type of insurance you own. Every state or province mandates auto insurance by law. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property or loss of property use. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was at fault in the crash. It is mandated in some states and optional in others. This insurance may also pay for lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Quotes Clermont