There are more cars on the road every year. This can lead to an increased likelihood of a collision. Car insurance can be the difference between a small inconvenience and a major hassle. How can you decide what insurance you require and where you should go to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Liability pays for damages due to bodily injury and property damage to others where you are responsible. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was responsible for the accident. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for necessary medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, like emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: * Which policies you select * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont