Each year, more cars and drivers are on the roads. With the increasing number of vehicles on the road, accidents will happen. The difference between a small bother and major pain can be car insurance. But why do you need insurance and just how much should you buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the collision. It is occasionally called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some people have consider car 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 support of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont