There are more cars hitting the road every year. With so many vehicles on the road, crashes will happen. The difference between a small aggravation and large pain can be car insurance. So how can you find out what type of car insurance you need and the quantity you should purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other types of coverage, such as car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The make and model of the car you own * 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 fiasco. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont