Every year, more automobiles and drivers travel the highways. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you have can make a large difference in the experience you have. But why is insurance important and just how much do you need? Coverage requirements vary by state/province, but typically include the following: Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Golf Cart Insurance Clermont