Every year, more cars hit America's roads. As this number increases, the chances of a car wreck will also increase. The difference between a small aggravation and major obstacle can be your insurance. So how can you figure out what insurance you need and how much you should buy? Required coverage varies based on the state/province but typically includes the following: Liability: Liability pays for expenses due to personal injury and property damage to others that you have caused. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include flood damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Other types of coverage, like car rental, can also be purchased. Golf Cart Insurance Clermont