The number of cars and drivers on the road increases each year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car wreck, the car insurance you own can make a big difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Every state and province requires auto insurance by law. By not owning insurance, you run the risk of having to pay the total cost of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Liability pays for damages due to personal injury and damage to property where you are responsible. It can also cover your defense and court costs if you are sued. Local laws typically require minimum amounts, but larger amounts can be purchased and are extremely helpful. 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 sometimes referred to as no-fault coverage. It may also pay for lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from burglary, 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 make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Other kinds of car insurance, like emergency road service and car rental, are also available. Golf Cart Insurance Clermont
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