There are more cars and drivers hitting the road every year. This could lead to an increased likelihood of a car accident for you and your family. The difference between a little bother and major pain can be automobile insurance. So how do you know what insurance you need and how much you should buy? Insurance requirements vary by state/province, but usually include the following: Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. This insurance can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, such as car rental and emergency road service, are also available. Your auto 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, sex and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont