Every year, more cars and drivers are on the highways. With countless vehicles on the road, crashes will happen. The difference between a small bother and major obstacle can be the car insurance you have purchased. But why is insurance necessary and just how much do you need? Coverage requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It can also cover your legal fees if you are sued. Local laws typically mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is required in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other policies, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: * 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 Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont