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Auto Insurance (Personal-Use-Vehicle Only)
Auto insurance is required in almost every state in the US. Car insurance rates can vary dramatically from one auto insurance company to the next. Experts recommend evaluating auto insurance coverage options at least once every 6 months or any time there is a major change in coverage need like when a new car is purchased, a new teenage driver is added to the policy, there is a move to a new state, etc.
Most states require some type of auto insurance in order to legally drive your motor vehicle. Although this is usually minimal, it is a good idea to increase the coverage to protect your financial assets. As with all insurance, coverage is restricted to the limits of the policy. Bodily Injury Liability will cover the medical expenses, income loss, pain and suffering, and the legal defense for injuries or death sustained by other people.
Uninsured Motorist (UM)
Uninsured Motorist (UM), despite the additional cost, Uninsured Motorist Coverage is a wise move. One in seven American drivers is without insurance and if one of those drivers crashes into you he will almost surely not be able to compensate you for damages and losses. Uninsured Motorist Coverage protects you against a large chunk of this risk. And for only a few extra dollars a month, it seems like a smart investment
Property Damage Liability
Property Damage Liability will cover property damage, such as another person’s car, a fence, or a house. Comprehensive Coverage will cover your car as well as some other cars you may be driving and will pay for damages caused by anything other than collisions, such as fire or theft. Collision Coverage is for damages made to your car in case of an accident or if your car gets hit by an object, regardless of who is at fault.
Personal Injury Protection
Personal Injury Protection Coverage is for medical, hospital, and funeral expenses for the insured, his passengers, and any pedestrians that may have been injured. This is available for no-fault states such as Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah as well as Puerto Rico
