The number of cars and drivers on the road increases each year. With so many vehicles on the road, accidents can happen. If you get in a car crash, the auto insurance you have can make a large difference in what happens next. So how can you figure out what insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available 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 type of policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include fire damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, such as car rental and emergency road service, are also available. Golf Cart Insurance Clermont