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The number of cars and drivers on the road increases each and every year. This can lead to a higher possibility of a collision for you and your family. If you get in a car accident, the auto insurance you have can make a big difference in what happens next. So how do you know which type of insurance you need and how much to buy? Car insurance protects you by paying for damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, plus certain other incidents, such as robbery. Every state or province mandates automobile insurance by law. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, liability insurance will pay for your defense and court costs. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. If this policy has been purchased, the insured person will receive payment for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance coverage. Other policies, including emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont