Each year, more cars and drivers hit our roads and freeways. This can lead to a higher possibility of a collision for you and your family. If you get in a car crash, the car insurance you have can make a big difference in what happens next. So how can you figure out which type of insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are in legal trouble, it also pays your court costs. State laws usually mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required 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. This insurance can also pay for lost wages, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for an accident. It pays for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages 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 full amount of the damages. Other types of coverage, like car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the car you own * Your driving record * Your age, gender 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, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont