Each year, more cars travel America's roads. As this number increases, the chances of a car accident will also increase. Automobile insurance can make the difference between a minor inconvenience and a large trial. How can you decide what insurance you need and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This 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. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance coverage. Other policies, like car rental and emergency road service, are also available. Golf Cart Insurance Clermont