We see more drivers on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how can you find out what type of car insurance you need and the quantity you should purchase? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance can pay for your defense and court costs. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont