We see more and more drivers on the road each year. As this number increases, the possibility of accidents also increases. The difference between a little bother and major obstacle can be the car insurance you have purchased. How can you determine what insurance you require and where you should go to buy it? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, plus certain other incidents, such as burglary. Every state or province requires car insurance by law. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. State government 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. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: 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 wreck, including weather damage 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 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. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont