We see more drivers on the road each year. This could lead to a higher possibility of a collision. Car insurance can be the difference between a minor setback and a large hassle. But why do you need insurance and just how much should you buy? Car insurance protects you by covering the cost of damage or injury you cause others while you are driving, damage to your car or personal injury or injury to your passengers from a crash, plus specific other situations, such as robbery. Automobile insurance is required by law in all states and provinces. By not owning insurance, you run the risk of having to pay the total cost of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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 may also pay for lost wages, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. If this policy has been purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of coverage, including emergency road service and car rental, are also available. Golf Cart Insurance Clermont