There are more cars and drivers hitting the road each year. With countless vehicles on the road, accidents can happen. If you get in a car wreck, the car insurance you own can make a big difference in the experience you have. But why is insurance necessary and just how much should you buy? 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 might include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont