Every year, more cars hit our roads and freeways. With the increasing number of vehicles on the road, crashes can happen. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages might include bodily injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. It can also pay for lost earnings, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving without having the right amount of car insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * 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, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont