We see more and more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and large pain can be the car insurance you own. How can you determine what type of insurance you require and where you should go to buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage can 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 car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is required 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. This insurance can also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the right amount of insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other types of coverage, such as car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont