The number of cars on the road increases every year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the car insurance you have can make a big difference in what happens next. How can you decide what insurance you need and how you can buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: It pays for expenses due to personal injury and property damage to others for which you are responsible. If you are in legal trouble, liability insurance can pay for your defense and court costs. Local laws usually mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available 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: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont