We see more and more cars on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. But why is insurance required by law and just how much do you need? Car accidents can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. It also covers your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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. It can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. If you buy this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance protection. Other kinds of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont
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