Every year, more automobiles and drivers hit our roads and freeways. This could lead to an increased likelihood of a collision for you and your family. Car insurance can be the difference between a small setback and a large hassle. So how can you figure out what insurance you need and how much to buy? Mandated coverage varies by state/province but usually includes the following: Liability: It pays for damages due to personal injury and damage to property when you are responsible. If you are in legal trouble, liability insurance can pay for your legal fees. State laws usually mandate minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other policies, like car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. 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