We see more cars on the road each year. This could lead to an increased likelihood of a car accident. Car insurance can make the difference between a small setback and a major hassle. So how can you find out what type of car insurance you need and how much to purchase? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Car insurance is mandated by state law. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your legal fees if you are sued. State laws typically mandate standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This 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 cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage has been purchased, the insured person will receive payment for all types of medical or funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other types of coverage, including car rental and emergency road service, are also available. Golf Cart Insurance Clermont