You will see more cars on the road every year. With countless vehicles on the road, accidents will happen. Car insurance can be the difference between a minor setback and a large trial. But why is insurance necessary and just how much do you need? Car accidents can lead to many different expenses, which can all be paid for based on the type of coverage you have purchased. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, it also pays your legal fees. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Other kinds of car insurance, like car rental, are also available. Golf Cart Insurance Clermont
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