There are more cars and drivers on the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and large obstacle can be car insurance. But why do you need insurance and just how much should you buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are sued, this type of insurance will pay for your court costs. Local laws usually mandate standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont