There are more drivers hitting the road every year. With so many vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you have can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much to buy? Auto insurance provides you with protection from covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, plus certain other incidents, such as burglary. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. If you are sued, liability insurance can pay for your legal fees. State laws usually mandate standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance 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. This insurance may also pay for lost wages, service replacement and funeral costs. 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. If this policy has been purchased, the insured person will receive payment for reasonable medical and funeral costs. Collision: This pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This may include fire damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Other kinds of coverage, including emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont