There are more drivers hitting the road every year. As this number increases, the chances of a car accident will also increase. The difference between a little aggravation and large obstacle can be your car insurance. How can you determine what insurance you require and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. It also covers your defense and court costs if you are sued. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Other policies, such as car rental and emergency road service, are also available. Golf Cart Insurance Clermont