There are more drivers on the road every year. This can lead to a higher possibility of a collision. Car insurance can make the difference between a minor setback and a large trial. How can you decide what type of insurance you need and where you should go to buy it? Auto insurance protects you by covering the cost of damage or injury you inflict on others while you are driving, damage to your vehicle or personal injury or injury to your passengers from an accidents, plus certain other occurrences, such as theft. Every state or province requires car insurance by law. By not owning insurance, you risk having to pay the full cost of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are sued, liability insurance will pay for your court costs. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont