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There are more drivers hitting the road each year. With countless vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much do you need? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. 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. State government usually sets minimum amounts. 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 an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. 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 * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont

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