Every year, more drivers hit the highways. As this number goes up, the chances of a car wreck will also go up. The difference between a little bother and large pain can be the car insurance you have purchased. How can you decide what insurance you need and how to purchase it? Car crashes can lead to a variety of different expenses, which your car insurance can pay for based on the insurance policy you have purchased. No matter where you live, you are required to buy some variety of car insurance. By not owning insurance, you risk having to pay the full price of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are sued, this type of insurance will pay for your court costs. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, including car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Many drivers may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont