There are more drivers hitting the road every year. This could lead to a higher possibility of a car accident. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. So how can you find out what type of car insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Without insurance, you risk having to pay the total price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It can also cover your legal fees if you are sued. State laws usually require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was responsible for the accident. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is typically set by local government. 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. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers all non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont