You will see more drivers on the road every year. With so many vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Required coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. It also covers your defense and court costs if you are sued. Local laws typically require minimum amounts, but larger amounts are available and usually recommended. 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. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your desired 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 Many people consider car insurance to be a necessary evil, but it can save you from a financial crisis. Review your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. Golf Cart Insurance Clermont
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