You will see more cars on the road every year. This can lead to an increased likelihood of a car accident. Car insurance can be the difference between a minor setback and a major trial. But why do you need insurance and just how much should you buy? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are sued, it also pays your court costs. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. 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. This insurance may also cover lost wages, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the proper amount of car insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other kinds of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont