There are more cars and drivers hitting the road each year. As this number goes up, the chances of a car accident will also go up. If you get in a car crash, the car 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 you should buy? Auto insurance provides you with protection from covering the cost of damage caused to your car or someone else's car and injury to others, yourself, or your passengers, and certain other incidents, such as robbery. Every state and province mandates car insurance by law. By not owning insurance, you risk having to pay the full cost of any harm you cause others. Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, including car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: * Which policies you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont