You will see more and more drivers on the road every year. This can lead to an increased likelihood of a car accident. The difference between a small aggravation and major obstacle can be your car insurance. But why is insurance required by law and just how much do you need? Car insurance protects you by paying for damage or injury you inflict on others while you are driving, damage to your car or injury to you or your passengers from a crash, and certain other situations, such as theft. By not owning insurance, you run the risk of having to pay the full cost of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for expenses due to personal injury and property damage to others where you are responsible. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It can also cover your legal fees if you are sued. Local laws usually mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont