The amount of cars and drivers on the road increases every year. As this number increases, the chances of a car wreck will also go up. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. How can you decide what insurance you require and how to purchase it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Without insurance, you risk having to pay the total cost of the harm you cause others. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, liability insurance will pay for your legal fees. State laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance takes care of all non-collision damages. This may include fire damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other policies, such as car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont