The amount of drivers on the road increases each year. This could lead to an increased likelihood of a collision for you and your family. The difference between a little aggravation and large pain can be your car insurance. So how do you know which type of insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. State laws usually require standard amounts, but larger amounts can be purchased and are extremely helpful. 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. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may be responsible. If this policy is bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people don't want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont