There are more cars hitting the road every year. With so many vehicles on the road, accidents are going to happen. The difference between a small bother and major pain can be your insurance. But why do you need to own insurance and just how much should you buy? Car insurance protects you by paying for damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or passengers in your car, and specific other occurrences, such as robbery. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are sued, this type of insurance will pay for your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. It may also pay for lost wages, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive coverage for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: 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: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Golf Cart Insurance Clermont