The number of cars on the road increases each year. With countless vehicles on the road, crashes are going to happen. The difference between a small aggravation and large obstacle can be automobile insurance. So how do you know which type of insurance you need and how much you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. It can also cover your defense and court costs if you are sued. State laws typically mandate 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 other people in your car, no matter who was responsible for the crash. It is sometimes called no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other types of car insurance, like emergency road service and car rental, are also available. Golf Cart Insurance Clermont
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