In 47 of the 50 United States, it is illegal to take a car onto the road without auto insurance. Compulsory insurance laws protect the public from the expenses of injuries and property damage resulting from a car accident. The states that require auto insurance set minimum amounts of coverage that guarantee that medical costs and property damage caused by the insured in case an accident is judged to be the fault of the insured. Another name for compulsory insurance is liability insurance.
If you carry compulsory insurance and are judged to be at fault in an auto accident, your car insurance company will pay the medical bills and lost work time and other damages for the other driver and passengers in both his car and yours that are not immediate blood relatives. The minimum compulsory insurance varies from state to state, but your insurance agent will be able to tell you what minimum amount you must carry in order to drive you car on the public roads.
Besides personal injury insurance, you are also required in most states to carry property damage policies to repair or replace any damage caused by your car. Again, the amount varies from one state to another.
There are good reasons for carrying more than the minimum amount of compulsory insurance. If the damages exceed your coverage, for instance, you’ll be liable for anything that your insurance company doesn’t pay. More importantly, there are many gaps in compulsory insurance company.
1. You aren’t covered for theft or a fire that’s not related to an auto accident.
2. You won’t recover the entire amount of the cost to repair damage to your car caused by an uninsured vehicle.
3. If you were judged to be at fault in the auto accident, there is no coverage for your injuries or damages.
4. Even if you’re not at fault, there’s no coverage for other expenses related to your auto accident like towing.
Most insurance agents recommend that you carry a greater amount of insurance and coverage other than what’s strictly required by your state. Often referred to as ‘comprehensive’ coverage, it will include:
Personal Injury Protection, which will pay medical expenses and reasonable work and living expenses for lost job time due to an accident, no matter who was at fault.
Travel, towing and glass replacement that results from causes other than an auto accident.
Usually, if you take out a loan to purchase your car, the bank will require that you purchase and maintain comprehensive insurance on your vehicle until your loan is paid off.
Recommended Cheap Car Insurance Quotes Online
Filed under auto insurance price quote by on Jul 13th, 2009. Comment. 
Auto Insurance FAQ – with Important Info for Today’s Motorist
Below you will find some frequently asked questions with constructive, money saving suggestions.
Question: What is meant by laws regarding “car financial responsibility?”
Answer: According to state law, you are required to bear responsibility for events that transpire while you are driving
Question: What if I decide to drive my vehicle without car insurance?
Answer: Depending upon which state you live in, refusal to buy insurance coverage may result in of fines, loss of drivers license or possibly serving a jail sentence. It is mandatory to have vehicle insurance in all states except Wisconsin and New Hampshire.
Question: Will my coverage protect everyone who drives my vehicle?
Answer: Yes, however this is true only if that driver has your permission to use the vehicle.
Be aware that some policies require all members of your household who drive your car to be named on your policy. In this situation, anyone living with you who drives your vehicle without being named on your policy, would not be covered.
Question: What liability limits do you recommend?
Answer: It is generally agreed among insurance agents that what state law requires is not sufficient.
My recommendation is 100:300:100.
·        $100,000 for bodily injury per person
·        $300,000 for bodily injury per accident
·        $100,000 for property damage per accidentÂ
In the US, medical costs are, for the most part, comparable from state to state. So the above bodily injury guidelines apply equally in all states.Â
You should consider increasing the property damage portion if you live or work in an area where property values are extremely high and the residents drive expensive vehicles. It doesn’t take many Rolls Royce or Lamborghinis to exceed $100,000.Â
Question: Is auto insurance needed by newly licensed teenagers?Â
Answer: Yes…absolutely! All drivers must be insured. You must be named on the policy of someone in your household or have your own policy.Â
Question: In deciding to renew or cancel a policy, what guidelines do insurance companies go by?Â
Answer: The bottom line consideration is…are you a “worthwhile risk?” Do you have a clean driving record? How is your credit history? Have you filed any claims? These are the major factors, but every insurance company has their own criteria for evaluating risk.Â
Take a good look in your “visor” mirror. Do you see an A1 driver staring back at you?
Hope you enjoyed this auto insurance FAQ.
Joe Goodman is the creator of Car Insurance Performance, an info-rich website that discusses how to find auto insurance that is right for you & your car…at the fairest possible price.
For more detailed info on auto insurance in Southern California, visit us on the web Auto Insurance FAQ
Filed under auto insurance price quote by on Jun 21st, 2009. Comment.
What family practices in Las Vegas accept saint mary’s health insurance?
i just moved here from northern nevada, and i looked on the health plan web page and it looks like there arn’t any family practices here that do. and i really!!!!! need to see a doc!!!
There might not be any. Call the number on the back of your card, and ask for the ‘out of network’ benefit rates.
And you’ll probably have to change insurance, to find one in network.
Filed under Health Insurance by on Jan 30th, 2009. Comment.