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There are more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small setback and a large trial. But why do you need to own insurance and just how much should you purchase? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. By not owning insurance, you risk having to pay the full price of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without enough insurance coverage. Other kinds of coverage, such as emergency road service, can also be purchased. Golf Cart Insurance Clermont

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