Every year, more cars and drivers hit the roads. This can lead to a higher possibility of a collision. If you get in a car wreck, the auto insurance you own can make a big difference in the experience you have. But why is insurance necessary and just how much should you get? Insurance requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for an accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance covers any non-collision damages. This may include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without enough insurance coverage. Other types of coverage, such as emergency road service, are also available. Golf Cart Insurance Clermont