We see more and more cars on the road every year. As this number increases, the chances of a car wreck will also go up. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. How can you determine what insurance you need and where you should go to buy it? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you own. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont