You will see more cars on the road every year. With countless vehicles on the road, crashes will happen. The difference between a little bother and major pain can be car insurance. So how can you find out what type of car insurance you need and how much to buy? Mandated coverage varies by state/province but usually includes the following: Liability: Pays for expenses due to personal injury and property damage to others where you are responsible. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. State laws usually require minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, regardless of who was at fault in the collision. It is occasionally called no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other types of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont