You will see more and more drivers on the road every year. This can lead to an increased likelihood of a car accident. Car insurance can be the difference between a minor inconvenience and a major trial. So how do you know what type of car insurance you need and the quantity you should buy? Insurance requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of car insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, like emergency road service, are also available. What you pay for auto insurance varies by 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, sex and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont
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