The number of cars and drivers on the road increases each and every year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car crash, the auto insurance you have can make a big difference in what happens next. But why do you need insurance and exactly how much should you purchase? Car insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and specific other situations, such as burglary. No matter where you live, you will need to purchase some variety of auto insurance. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. 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 cover lost wages, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If this type of coverage has been bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Other types of coverage, including car rental, are also available. Golf Cart Insurance Clermont