Each year, more cars and drivers travel the roads. This could lead to a higher possibility of a collision. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. How can you decide what type of insurance you require and where you should go to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may have been at fault. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This could include hail damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Other policies, such as emergency road service, are also available. Golf Cart Insurance Clermont