Every year, more automobiles and drivers travel the roads. As this number goes up, the possibility of accidents also goes up. The difference between a small aggravation and major obstacle can be your insurance. How can you determine what type of insurance you require and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, this type of insurance will pay for your court costs. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some drivers may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Golf Cart Insurance Clermont