You will see more drivers on the road every 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. How can you determine what type of insurance you require and how to buy it? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Car insurance is mandated by law in all states and provinces. Without insurance, you risk having to pay the total price of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, it also pays your legal fees. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and 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. It can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance covers any non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Golf Cart Insurance Clermont