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There are more cars hitting the road every year. This can lead to a higher possibility of a collision. Automobile insurance can be the difference between a minor inconvenience and a major hassle. How can you determine what type of insurance you require and how to buy it? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover 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. This insurance may also pay for lost wages, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If this type of coverage has been bought, the insured person will receive coverage for all types of medical and funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other policies, including car rental, are also available. Golf Cart Insurance Clermont