There are more drivers hitting the road each year. This can lead to a higher possibility of a car accident. If you get in a car wreck, the car insurance you have can make a big difference in the experience you have. But why is insurance required by law and just how much should you get? Coverage requirements will differ by state/province, but usually include the following: Liability: It pays for expenses due to personal injury and property damage to others that you are responsible for. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is required 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, such as emergency road service and car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont