Each year, more cars and drivers hit the highways. With the increasing number of vehicles on the road, accidents can happen. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. But why is insurance required by law and just how much should you buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. If you are sued, liability insurance will pay for your legal fees. State laws typically require minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the crash. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. If this type of coverage is bought, the insured person will receive payment for all types of medical or funeral costs. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont