Each year, more drivers hit America's roads. As this number increases, the chances of a car collision will also increase. The difference between a little aggravation and major obstacle can be automobile insurance. How can you determine what insurance you need and how to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are sued, it also pays your court costs. State laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. This insurance will pay for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other types of coverage, such as car rental, are also available. Golf Cart Insurance Clermont