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We see more and more drivers on the road each year. With so many vehicles on the road, accidents can happen. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. How can you determine what insurance you require and where you should go to buy it? Car insurance provides you with protection from covering the cost of damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, plus certain other incidents, such as burglary. By not purchasing insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: It pays for damages due to bodily injury and damage to property that you have caused. If you are sued, it also pays your legal fees. State laws typically require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is commonly called no-fault coverage. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont