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There are more drivers on the road each year. With countless vehicles on the road, crashes can happen. Car insurance can make the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much do you need? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Every state and province mandates automobile insurance by law. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. It may also pay for lost earnings, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. 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: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The type of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Some drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont

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