There are more cars and drivers on the road every year. This could lead to an increased likelihood of a car accident. Automobile insurance can be the difference between a small setback and a large trial. How can you decide what type of insurance you need and how to buy it? Required coverage varies by state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, regardless of who was responsible for the crash. It is occasionally referred to as no-fault coverage. It can also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of car insurance, including car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: * Which policies you select * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont