There are more cars hitting the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and major pain can be the car insurance you own. So how can you find out what type of car insurance you need and the quantity you should buy? Auto insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, and specific other incidents, such as burglary. Your state or province certainly mandates some type of auto insurance. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive coverage for all types of medical or funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection covers all non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, including car rental, are also available. Golf Cart Insurance Clermont