We see more and more drivers on the road each year. With countless vehicles on the road, accidents can happen. The difference between a little aggravation and large pain can be the car insurance you have purchased. So how can you find out what insurance you need and how much to purchase? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. 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 for which you might be responsible. Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance will pay for your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is sometimes called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont