Every year, more automobiles and drivers hit our roads and freeways. With so many vehicles on the road, crashes will happen. The difference between a little bother and large obstacle can be the car insurance you own. How can you determine what insurance you need and how you can buy it? Insurance requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are sued, it also pays your defense and court costs. Local laws usually mandate minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is commonly called no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance 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: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other kinds of coverage, such as emergency road service, can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont