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Each year, more drivers hit the highways. This can lead to an increased likelihood of a collision for you and your family. Car insurance can be the difference between a minor setback and a major trial. But why do you need to own insurance and just how much should you purchase? Car accidents can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Your state or province definitely requires some type of car insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance protection. Other types of coverage, like emergency road service and car rental, are also available. Golf Cart Insurance Clermont