Every year, more automobiles and drivers hit the highways. This can lead to a higher possibility of a collision. Automobile insurance can make the difference between a minor inconvenience and a major hassle. How can you determine what insurance you require and how to buy it? Auto insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, plus specific other incidents, such as theft. Your state or province certainly mandates some type of car insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are sued, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the collision. It is commonly called no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. If this type of coverage is purchased, the insured person will receive payment for reasonable medical and funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Other policies, 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 * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont