The number of cars and drivers on the road increases each and every year. With countless vehicles on the road, crashes can happen. The difference between a small bother and large pain can be car insurance. So how can you figure out which type of insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more events 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. It may also cover lost earnings, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of car insurance, including car rental, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont