We see more cars on the road each year. As this number increases, the chances of a car accident will also go up. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. How can you decide what insurance you require and where you should go to buy it? Auto insurance provides you with protection from paying for damage caused to your car or another person's car and injury to others, yourself, or your passengers, plus specific other situations, such as burglary. No matter where you live, you will need to buy some variety of auto insurance. By not owning insurance, you risk having to pay the total price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy has been bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont