The amount of cars and drivers on the road increases each and every year. As this number goes up, the chances of a car collision will also increase. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. How can you decide what insurance you need and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not purchasing insurance, you risk having to pay the full price of any harm you cause others. Liability: Liability pays for damages due to bodily injury and damage to property for which you are responsible. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. It may also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by the state. 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. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This may include weather damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, including emergency road service, can also be purchased. Golf Cart Insurance Clermont