There are more drivers on the road every year. As this number increases, the chances of a car wreck will also go up. If you get in a car wreck, the car insurance you own can make a large difference in the experience you have. How can you decide what type of insurance you need and how to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was at fault in the crash. It is commonly referred to as no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other policies, like emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: *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 Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont