There are more cars hitting the road each year. As this number increases, the possibility of accidents also increases. The difference between a little bother and major obstacle can be your car insurance. How can you decide what type of insurance you require and how to buy it? Car crashes can result in a variety of different expenses, which can all be paid for based on the type of coverage you have purchased. Without insurance, you risk having to pay the total cost of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, this type of insurance can pay for your legal fees. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, like car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *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 Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont