Every year, more cars and drivers are on the highways. With so many vehicles on the road, crashes can happen. The difference between a little aggravation and large pain can be the car insurance you own. How can you decide what type of insurance you require and how to buy it? Car crashes can lead to many different expenses, which can all be paid for based on the type of coverage you own. Automobile insurance is required by state law. By not purchasing insurance, you risk having to pay the total cost of the harm or injury you cause others. Liability: It pays for the expenses you are responsible for in a car accident, including property damage and injury. If you are sued, it also pays your legal fees. State laws typically require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Other kinds of coverage, such as emergency road service and car rental, are also available. Golf Cart Insurance Clermont