There are more cars and drivers hitting the road every year. As this number increases, the chances of a car accident will also go up. Automobile insurance can be the difference between a small inconvenience and a major trial. But why do you need to own insurance and just how much should you buy? Car crashes can lead to many different expenses, which your car insurance might be able to pay for based on the insurance policy you have purchased. Every state and province mandates automobile insurance by law. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. It can also cover your legal fees if you are sued. Local laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the collision. It is commonly referred to as no-fault coverage. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, such as car rental, are also available. Golf Cart Insurance Clermont