There are more drivers on the road each year. With countless vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why is insurance necessary and just how much should you get? Car crashes can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Auto insurance is mandated by law in all states and provinces. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Local laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other types of coverage, such as emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some people have consider car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont