Each year, more cars and drivers are on the highways. With countless vehicles on the road, crashes can happen. The difference between a little bother and large pain can be your car insurance. So how can you find out what insurance you need and how much to purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Without insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont