There are more drivers hitting the road every year. As this number increases, the chances of a car accident will also go up. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. But why do you need to own insurance and exactly how much should you purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is occasionally called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. 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. If this policy has been purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of all non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible 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 protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont