Each year, more automobiles and drivers hit the highways. As this number goes up, the chances of a car collision will also increase. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. So how do you know what insurance you need and how much to purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages can 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 use of property. If you are sued, it also pays your court costs. Local laws usually mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. This insurance can also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont