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There are more cars on the road each year. With so many vehicles on the road, accidents are going to happen. The difference between a small bother and major pain can be your insurance. How can you determine what insurance you need and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Every state or province requires automobile insurance by law. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Liability pays for expenses due to personal injury and damage to property that you are responsible for. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, 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 accident. It is required in some states and optional in others. Local law 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. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, such as emergency road service, are also available. Insurance Clermont