Every year, more cars travel America's roads. This could lead to a higher possibility of a car accident for you and your family. Automobile insurance can make the difference between a small setback and a major hassle. How can you decide what insurance you require and how you can purchase it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is required in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. If this type of coverage has been bought, the insured person will receive coverage for necessary medical and funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of coverage, such as emergency road service, are also available. Golf Cart Insurance Clermont