We see more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small setback and a large hassle. So how can you find out what type of car insurance you need and the quantity you should buy? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. If this type of coverage is purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This may include hail damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Other types of coverage, including car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont