Each year, more automobiles and drivers are on the roads. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a minor setback and a large trial. But why do you need insurance and just how much should you get? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont