There are more cars hitting the road each year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you own can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Your state or province certainly mandates some type of car insurance. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws typically require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the accident. It is commonly referred to as no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. If you purchase this type of coverage, you will receive coverage for reasonable medical and funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by a driver 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 supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of coverage, such as car rental, are also available. Auto Insurance Quotes Clermont