You will see more cars on the road each year. With the increasing number of vehicles on the road, crashes can happen. Automobile insurance can be the difference between a small setback and a large trial. But why do you need insurance and just how much should you buy? Car crashes can result in many different expenses, which your car insurance might be able to pay for based on the insurance policy you own. Without insurance, you run the risk of having to pay the full cost of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, liability insurance can pay for your legal fees. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. 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. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Other policies, including car rental and emergency road service, are also available. Golf Cart Insurance Clermont