You will see more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the auto insurance you have can make a large difference in the experience you have. But why is insurance important and just how much should you get? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the full cost of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This type of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are in legal trouble, liability insurance will pay for your court costs. Local laws typically require standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a collision. All necessary 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: Cover your vehicle from damages from other sources when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Clermont