Each year, more automobiles and drivers hit our roads and freeways. This could lead to an increased likelihood of a car accident for you and your family. The difference between a little aggravation and major pain can be your insurance. How can you determine what insurance you require and how to buy it? Car crashes can result in many different expenses, which can all be paid for based on the type of coverage you have purchased. No matter where you live, you will need to purchase some variety of auto insurance. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. 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 can also cover lost wages, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, like car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: * Which policies you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont