Each year, more automobiles and drivers hit the highways. As this number increases, the chances of a car wreck will also go up. The difference between a small bother and large pain can be automobile insurance. How can you decide what insurance you require and where you should go to buy it? Car insurance provides you with protection from covering the cost of damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, and certain other occurrences, such as theft. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated 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: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. 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 several factors, such as: * Which policies you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont