You will see more cars on the road each year. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small inconvenience and a major trial. But why do you need insurance and just how much do you need? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. No matter where you are living, you are required to purchase some variety of car insurance. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, it also pays your court costs. Local laws typically require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is commonly called no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of car insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont