Every year, more drivers hit America's roads. This could lead to a higher possibility of a car accident for you and your family. The difference between a small bother and large pain can be automobile insurance. But why do you need insurance and exactly how much should you buy? Car insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and specific other occurrences, such as burglary. No matter where you live, you are required to purchase some type of auto insurance. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. Local laws typically require standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was at fault in the accident. It is sometimes referred to as no-fault coverage. It may also cover lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, like emergency road service and car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * Which policies you select * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some people may not want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont