We see more and more drivers on the road every year. As this number goes up, the chances of a car collision will also increase. If you get in a car crash, the car insurance you have can make a big difference in the experience you have. So how do you know what insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This 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 can also pay for lost wages, replacement of services and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment 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 policy has been bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: This pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont