There are more drivers hitting the road every year. With the increasing number of vehicles on the road, crashes will happen. Automobile insurance can make the difference between a small inconvenience and a major hassle. So how can you find out what insurance you need and the quantity you should purchase? Car insurance protects you by covering the cost of damage or injury you cause others while driving your car, damage to your vehicle or injury to you or your passengers from an accidents, and specific other situations, such as burglary. Your state or province definitely requires some type of car insurance. Without insurance, you risk having to pay the total price of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: It pays for damages due to bodily injury and damage to property that you are responsible for. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are sued, liability insurance can pay for your legal fees. State laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the accident. It is commonly referred to as no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident 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 varieties of car insurance can also be purchased. Golf Cart Insurance Clermont