We see more and more cars on the road each year. With countless vehicles on the road, crashes can happen. If you get in a car crash, the auto insurance you own can make a big difference in the experience you have. But why is insurance required by law and just how much should you get? Car crashes can lead to a variety of different expenses, which your car insurance can pay for based on the insurance policy you own. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Pays for damages due to personal injury and property damage to others where you are responsible. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance can also pay for lost wages, service replacement and funeral costs. Local law usually 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 necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Clermont