The amount of cars on the road increases each and every year. This can lead to an increased likelihood of a collision for you and your family. Car insurance can make the difference between a minor setback and a major trial. But why do you need insurance and just how much should you buy? Car insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or your passengers, and specific other incidents, such as robbery. Car insurance is required by law in all states and provinces. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, like car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have consider auto insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont