There are more cars and drivers hitting the road every year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much should you get? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is required in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Golf Cart Insurance Clermont