There are more cars and drivers on the road each year. This can lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the auto insurance you own can make a large difference in what happens next. So how can you figure out what insurance you need and how much to buy? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is occasionally referred to as no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other kinds of coverage, including emergency road service and car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont