We see more cars on the road each year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you own can make a big difference in the experience you have. But why is insurance necessary and just how much do you need? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, this type of insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for an accident. If you buy this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Other types of car insurance, including car rental, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont