There are more cars hitting the road every year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you need and where you should go to buy it? Car insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, plus specific other incidents, such as robbery. Without insurance, you run the risk of having to pay the full price of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the crash. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This can include 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: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance coverage. Other types of coverage, like car rental and emergency road service, are also available. Golf Cart Insurance Clermont