We see more and more cars on the road every year. With the increasing number of vehicles on the road, accidents can happen. Automobile insurance can be the difference between a small setback and a major trial. But why do you need insurance and just how much do you need? Car accidents can result in many different expenses, which your car insurance can pay for based on the insurance policy you own. Car insurance is required by law in all states and provinces. By not owning insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws typically require minimum amounts of liability insurance, 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 and your passengers, no matter who was responsible for the collision. It is commonly called no-fault coverage. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Other policies, like emergency road service, are also available. Golf Cart Insurance Clermont