There are more cars and drivers hitting the road each year. As this number goes up, the chances of a car accident will also go up. Car insurance can be the difference between a minor inconvenience and a large trial. But why do you need insurance and just how much should you buy? Car accidents can result in many different expenses, which can all be paid for based on the type of insurance you have purchased. Your state or province certainly requires some type of car insurance. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: It pays for damages due to personal injury and property damage to others that you are responsible for. It also covers your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. If you buy this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. 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 one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont
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