You will see more and more drivers on the road each year. This can lead to an increased likelihood of a collision. The difference between a small aggravation and large obstacle can be automobile insurance. How can you determine what type of insurance you need and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Your state or province definitely mandates some type of car insurance. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance will pay for your defense and court costs. State laws usually mandate minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. This insurance may also cover lost wages, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when an insured person 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 kinds of coverage, such as emergency road service, are also available. Golf Cart Insurance Clermont