Each year, more cars and drivers hit the roads. With the increasing number of vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. So how can you find out what type of car insurance you need and the quantity you should purchase? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It can also cover your defense and court costs if you are sued. State laws typically require standard amounts of liability insurance, but higher amounts are available and very beneficial. 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 may also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving without having the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *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 Don't wait around to buy car insurance; you should never drive a car without it. 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