Every year, more cars travel America's roads. As this number increases, the possibility of accidents also increases. The difference between a small bother and major pain can be automobile insurance. But why do you need to own insurance and exactly how much should you purchase? Car crashes can lead to many different expenses, which your insurance can pay for based on the insurance policy you have purchased. By not purchasing insurance, you risk having to pay the full cost of any harm you cause others. Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Local laws typically require minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. 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 earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. If this policy has been bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of car insurance, like emergency road service, can also be purchased. Golf Cart Insurance Clermont