There are more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small setback and a large hassle. But why do you need to own insurance and exactly how much should you buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Liability pays for damages due to personal injury and damage to property where you are responsible. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the collision. It is sometimes called no-fault coverage. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, like car rental and emergency road service, are also available. Golf Cart Insurance Clermont

Each year, more automobiles and drivers hit the highways. With so many vehicles on the road, accidents are going to happen. If you get in a car accident, the car insurance you own can make a large difference in what happens next. How can you decide what insurance you need and how you can buy it? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. Local laws typically mandate minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This 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. It can also pay for lost earnings, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, like car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have consider car 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 agency, choose the option that fits you best. Golf Cart Insurance Clermont

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Each year, more automobiles and drivers are on the highways. With the increasing number of vehicles on the road, crashes can happen. Car insurance can make the difference between a minor setback and a major hassle. But why do you need insurance and just how much do you need? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you own. Every state and province requires automobile insurance by law. Without insurance, you risk having to pay the full price of the harm you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your defense and court costs if you are sued. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is commonly referred to as no-fault coverage. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. Auto Insurance Clermont

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