There are more drivers on the road every year. With the increasing number of vehicles on the road, accidents will happen. The difference between a little aggravation and large obstacle can be the car insurance you own. How can you decide what insurance you need and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was at fault in the collision. It is occasionally called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. If you buy this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the proper amount of car insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Other policies, like car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont