Every year, more cars and drivers are on the highways. This can lead to an increased likelihood of a car accident. The difference between a small bother and large pain can be the car insurance you have purchased. So how can you find out what insurance you need and how much to purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for expenses due to bodily injury and damage to property for which you are responsible. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually require standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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. This insurance can also pay for lost wages, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral costs. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * Which policies you select * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont