You will see more cars on the road every year. This can lead to an increased likelihood of a collision. The difference between a little aggravation and large obstacle can be car insurance. But why is insurance required by law and just how much do you need? Car insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, and certain other occurrences, such as robbery. Auto insurance is required by state law. Without insurance, you run the risk of having to pay the full cost of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. It can also cover your legal fees if you are sued. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is occasionally referred to as no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Other policies, such as car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you drive * Your driving record * 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. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont