The amount of cars and drivers on the road increases each year. This could lead to a higher possibility of a collision for you and your family. Car insurance can make the difference between a minor inconvenience and a large hassle. But why do you need insurance and just how much should you purchase? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Every state and province requires automobile insurance by law. Without insurance, you risk having to pay the full cost of the harm you cause others. Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It also covers your legal fees if you are sued. State laws typically require minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Quotes Clermont