There are more cars hitting the road every year. 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. How can you decide what type of insurance you require and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is commonly referred to as no-fault coverage. This insurance may also pay for lost wages, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive payment for reasonable medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Golf Cart Insurance Clermont