Each year, more cars and drivers travel the highways. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a minor inconvenience and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Liability pays for damages due to bodily injury and damage to property when you are responsible. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, liability insurance will pay for your legal fees. State laws usually mandate minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont