Each year, more automobiles and drivers travel the highways. As this number goes up, the chances of a car wreck will also increase. Car insurance can be the difference between a small inconvenience and a large hassle. How can you determine what type of insurance you require and where you should go to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Pays for expenses due to bodily injury and property damage to others when you are responsible. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the accident. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other kinds of car insurance, 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: * Which policies you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont