Every year, more automobiles and drivers are on the roads. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and major pain can be the car insurance you have purchased. So how can you find out what type of car insurance you need and the quantity you should purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. 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. It can also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Golf Cart Insurance Clermont