You will see more and more cars on the road each year. With so many vehicles on the road, accidents will happen. Car insurance can be the difference between a minor inconvenience and a major trial. So how do you know what insurance you need and how much to purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or 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 can include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is required 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 wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. 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 type of coverage has been purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance covers all non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: * What coverage you select * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont