The amount of cars and drivers on the road increases each year. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a small setback and a major hassle. How can you decide what insurance you need and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. This insurance can also pay for lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, including car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many drivers may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont