There are more drivers hitting the road each year. With so many vehicles on the road, accidents will happen. Automobile insurance can make the difference between a small inconvenience and a major trial. How can you determine what type of insurance you need and where you should go to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. No matter where you live, you are required to purchase some variety of auto insurance. Without insurance, you run the risk of having to pay the total price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, this type of insurance will pay for your defense and court costs. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. It may also pay for lost wages, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other policies, including car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex 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 dilemma. Review your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont