The number of cars on the road increases each and every year. As this number increases, the chances of a car collision will also go up. Automobile insurance can make the difference between a minor setback and a large hassle. So how do you know which type of insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are sued, this type of insurance will pay for your legal fees. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and 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. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. If you buy this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, such as car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont
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