Each year, more cars travel the highways. This can lead to an increased likelihood of a collision for you and your family. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Without insurance, you risk having to pay the full price of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are sued, it also pays your legal fees. Local laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is required 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. It may also pay for lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, such as car rental and emergency road service, are also available. Car Insurance Quotes Clermont