You will see more and more drivers on the road every year. As this number increases, the chances of a car accident will also increase. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. How can you decide what insurance you need and how to buy it? Car crashes can lead to many different expenses, which your car insurance can pay for based on the type of coverage you own. Making the decision 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 that you may have caused. Liability: This kind of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. It pays for an insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont