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Each year, more automobiles and drivers travel the highways. This could lead to an increased likelihood of a collision for you and your family. The difference between a little aggravation and major obstacle can be car insurance. How can you determine what insurance you need and how you can purchase it? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage is purchased, the insured person will receive payment for all types of medical or funeral costs. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other kinds of car insurance, including emergency road service, can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont