The amount of drivers on the road increases each and every year. This could lead to a higher possibility of a car accident for you and your family. If you get in a car crash, the auto insurance you own can make a big difference in what happens next. But why do you need to own insurance and exactly how much should you purchase? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. No matter where you are living, you will need to purchase some variety of auto insurance. By not owning insurance, you risk having to pay the full price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are sued, it also pays your court costs. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damages to your car caused by a collision. Comprehensive: This kind of insurance covers all non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the proper amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance protection. Other types of coverage, such as emergency road service and car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont