The amount of cars and drivers on the road increases every year. With the increasing number of vehicles on the road, accidents are going to happen. If you get in a car crash, the car insurance you have can make a big difference in what happens next. How can you decide what insurance you need and how to buy it? Car accidents can result in a variety of different expenses, which can all be paid for based on the type of coverage you own. Every state and province requires automobile insurance by law. By not purchasing insurance, you risk having to pay the full price of the harm or injury you cause others. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. It also covers your legal fees if you are sued. State laws usually mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. 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 cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased 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 coverage. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the proper amount of insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Insurance Clermont