The amount of drivers on the road increases each year. With the increasing number of vehicles on the road, crashes can happen. The difference between a small bother and large pain can be the car insurance you have purchased. How can you determine what insurance you need and how you can buy it? Car insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, and specific other occurrences, such as theft. By not purchasing insurance, you risk having to pay the total price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other policies, such as emergency road service, are also available. Golf Cart Insurance Clermont