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The number of cars and drivers on the road increases each year. With so many vehicles on the road, crashes will happen. The difference between a little aggravation and large obstacle can be your car insurance. So how can you figure out which type of insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a crash. It pays for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other kinds of coverage, like emergency road service and car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont