Every year, more cars and drivers travel the roads. This can lead to a higher possibility of a collision. The difference between a small aggravation and large pain can be the car insurance you own. How can you determine what insurance you need and where you should go to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy has been purchased, the insured person will receive payment for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont