There are more cars on the road every year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Coverage 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. If you are in legal trouble, it also pays your court costs. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was at fault in the crash. It is sometimes called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance covers any non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other types of car insurance, like emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont