Auto Insurance Law » Automobile Insurance

What to Look for in a Full Coverage Car Insurance Quote in Maryland

admin — Fri, 25 Jun 2010 16:37:35 +0000

Under Maryland state law all drivers must have 3 different kinds of automobile insurance. Each driver must have liability insurance, uninsured motorist (UM) insurance as well as personal injury protection (PIP) insurance.

The state mandated minimum liability coverage every driver must purchase is $20,000 of medical coverage for each person with $40,000 per accident, and $15,000 per accident for property damage. In the real world these minimum amounts may not cover all of the damages ensuing from even a small accident, which could leave many drivers who have such insurance still owing additional money as the result of an incident.

Depending on your financial situation, and the assets that an injured party could lay claim to, you may wish to consider much greater coverage amounts not only for your liability insurance but for your uninsured motorist coverage as well as your personal injury protection coverage.

In addition to the state-mandated minimum insurance coverage, any vehicle that is financed will be required to carry collision as well as comprehensive coverage. Again, the amount of such coverage can be determined based on how much protection of your personal assets seems reasonable as well as the replacement value of your vehicle.

Depending on the value of your vehicle and the amount of protection you purchase, your automobile insurance premium could be quite high. Fortunately there are a few things that you can do to help keep your monthly premium outlay under control.

First and foremost are your own driving habits. Tickets for speeding or reckless driving can, in some cases, as much as double your monthly insurance premium. Convictions for drunken driving or for driving while impaired can also cause your monthly premium to skyrocket and to remain in the stratosphere for quite some time.

Drivers under 25 are in a special risk category and, on the whole, have higher insurance premiums than most other drivers. Younger drivers who stay in school and maintain a “B” grade point average are often eligible for a Good Student Discount of up to 5% on their monthly car insurance premiums.

Older drivers, who are often also placed in a higher-risk insurance category, can often reduce their monthly premiums by up to 10% by taking and passing a special driver’s refresher course. Not all insurance companies offer such a program, so check with your agent.

Ask yourself how much you can afford to pay out of your own pocket for each claim against your car insurance company. The money you pay out of your own pocket following an accident is known as your deductible. The more money you can afford to pay — in other words, the greater your deductible – the lower your monthly premium will be.

Lastly, go online and find two or more websites that allow you to make side-by-side comparisons of auto insurance policies and their prices among a variety of insurance companies. In order to insure that you are comparing as many different companies as possible it will be necessary for you to fill out the form on at least two different websites and preferably three different sites.

Making comparisons on multiple sites is an added time expense, but the results can be worth it when you consider that the savings you receive will continue month after month.

By: Larry Nez

Auto Insurance Simple Basics

admin — Sat, 05 Jun 2010 19:32:38 +0000

Auto insurance helps cover expenses caused by an automobile accident. You sign a contract with the insurance company that describes what type of expenses are covered and how much money they will pay. The cost for auto insurance is a premium which you pay to the insurance company. So you pay the insurance company money to help relieve you of the expenses of an accident should you have one.

Car insurance provides multiple types of coverage. Property coverage covers the damage or theft of your automobile. Liability covers your legal costs for damage to other people or their property. Medical coverage pays for the cost of injuries and rehabilitation. These are just a few types of coverage that an auto insurance policy can cover. You can learn more by talking to a car insurance company.

Most states today require that you have some type of auto insurance before you can legally drive. If you are financing a car, the lender will also require you to have insurance so that they get the rest of the car paid off in case it is in an accident. Vehicle insurance policies last anywhere from six months to a year, and you will get notified via mail or e-mail whenever your next premium is due.

Automobile insurance policies cover all types of expenses, and the amount you payee for each premium will be determined by what coverages your policy covers. Here are the 3 basic types of coverages an automobile policy may have.

Bodily Injury Liability

This type of insurance coverage pays expenses that you cause to others in an accident. You and any family members listed on the policy are also covered if you are driving someone else’s car with their permission. You want to be sure to have plenty of liability insurance because if you cause a serious accident, you may be sued for quite a bit of money. This is one area of coverage that you do not want to skimp on when it comes to auto insurance.

Personal Injury Protection (PIP)

But get coverage pays for injuries to the driver or passenger of the ensured car. It can cover any thing from a medical payments to lost wages to funeral costs.

Property Damage Liability

This liability coverage will pay for damage that you cause to someone else’s property. This could be damage to another person’s car, house, fences, buildings, livestock, etc. Basically if you damage it in an accident, property damage liability should cover it.

These are 3 of the 6 types of auto insurance coverages you should have and make sure that you get with your policy.

By: Christopher M. Hall

AAA Auto Insurance Company Review

admin — Sat, 05 Jun 2010 15:05:59 +0000

AAA Auto Insurance Company is a car insurance company on the rise.Perhaps one of the insurance companies that almost nobody has heard about has to be the American Automotive Association (AAA) Car Insurance. They are known mostly for their road services such as towing, but people should start taking into consideration that the company has expanded and now offers many more services that can be of use to the consumer.

American Automotive Association was founded on March 4, 1902 as a non-profit organization. With the new pavement roads soon formed, the residents of the United States at the start of the century definitely needed a hand when it came to automobile services. As first there were only 1000 chartered members but the company would see an increase in memberships in the upcoming years after its foundation. It is important to note that the organization was founded when different local and regional offices came together, meaning that members belong to individual clubs (usually divided into city or states) and they would get their benefits for their respective entity. However, they would also be covered anywhere that AAA was available because the other offices arranged reciprocal services between all the AAA clubs established at that time.

Although the company is mostly known for their car services (towing), they offer a variety of things that consumers need nowadays. Some of the coverage offered by AAA includes life insurance, health insurance, homeowners insurance and related travel services (reservations, car rentals, cruises, directions to and from a destination, maps, etc). The company has grown so much over these 105 years of existence that it has affiliates in the countries of Canada and the United Kingdom as well and they will keep growing assuming that more of the population gains knowledge of all the things being offered.

Automobile insurance coverage has been part of the firm for 70 years now and they are proud to keep serving the United States consumers. “Triple A” as many people call the company, has had a long history of reliable and excellent customer service and this is just one of the many reasons that people select this company for themselves and their families. Their main website can be a little troubling for some people that are not used to the Internet because it has incredible amounts of information due to the fact that the company offers a gigantic array of services.

Being a member of the American Automotive Association doesn’t only guarantee you car insurance of your choice, but they also go as far as giving different coverage options due to the diverse population of the country. AAA focuses on three types of automotive insurance coverage: protection for others and their property, protection for yourself and any passengers you might have with you at the time of an accident, and protection for your assets. It is also good to mention that although the website does not give a list of possible discounts that AAA offers their members, it is always good to double check to see if the company offers any. Most people that forget or simply just don’t bother to ask end up spending hundreds and even thousands of dollars that they can be saving.

Apart from the normal automobile insurance coverage that the American Automotive Association offers, a member is given many more services. One of them includes your car’s battery and it allows you to have it checked, and even replaced at an approved AAA battery center. Another great service provider to the member is the Approved Auto Repair (APR) in case of any damage and with it the Vehicle Inspection Program (VIP) is included; which allows certified mechanics to inspect your vehicle thoroughly.

As said before in the article if you get lost or simply want to be prepared for a trip, AAA offers you maps, trip books, hotel directories and sometimes even discounted fares that permit a customer save some money; and most importantly ensure the member that they will get to the destination with no problems. Last but not least this great company offers road side assistance for any particular reason. This was the basis in which the company first opened, but they have improved tremendously from those days. They now offer vehicle towing up to 100 miles, jump starting, emergency tire changing, giving you gasoline if you unexpectedly run out of gas and helping you recover a key left inside the vehicle.

By: James J. Robinson

Benefits of Online Auto Insurance

admin — Thu, 03 Jun 2010 09:27:02 +0000

Unlike other Americans the people living in Pennsylvanian pay lesser amount of automobile insurance premium. They not only look for the best Pennsylvanian auto insurance but also try their best in search of methods how to reduce their premium amount.

According to Pennsylvanian auto insurance a car is insured under a 15/30/5 scheme, which insures and the claim of the second parties or victims of the accidents between the range of $15000 to $30000, and also an amount of $5000 for any sort of damages.

Factors determining the amount of premium

There are various factors responsible for the amount of premium to be paid, e.g. it is determined by the age of the diver, what type of vehicle you are insuring, his location and his past driving records. But beside this entire one thing is common that they do look for a scheme where the laws as well as their wishes are covered at the minimum cost.

Getting insurance quotes online

Once you decide yourself with which policy to go the very next procedure is to check out the insurance quote and the latest best way of doing so is online. You would always want to have a minimum amount of premium, for a young boy with a brand new car and some desire in the market, he would be looking for an insurance deal that would not only go along the government policies but also according to your desires.

To acquire such an insurance scheme or policy you can get online and get through different companies sites and explore their quotations and compare them with the other rival bodies and see which one fulfill both your as well as governments requirements. Doing so you would get all the information sitting back home that could have been forwarded you personally.

Some other online factors

Being online you can easily get access to the different insurance companies and their quotes and could analyze a rough structure of your insurance premium cost. You could even pay the premium online by setting up different payment options.

By: R Dan Williams

How to Find the Cheapest Ohio Auto Insurance – Keys to Getting the Best OH Car Insurance Rates

admin — Sun, 09 May 2010 14:44:34 +0000

Why pay more for Ohio auto insurance than necessary? If you can get the coverage that you need (an the state of Ohio requires by law) then why not find the cheapest Ohio auto insurance policy that you can? In fact, there are a number of different strategies that you can employ in order to find a cheap Ohio car insurance rate.

According to the U.S. Census Bureau, Ohio holds an estimated population of 11,478,006 as of 2006 and has only grown 1.1% in the last year. This means that rates in the state of Ohio have not seen a big change yet because the number of cars in the roads has not varied much.

Deciding to take the minimum coverage issued by OH state law is not the only solution to cheap automobile insurance in the state of Ohio. People can choose to drop the comprehensive and collision coverage options if their car is just too old, which will allow them the save a lot of money in the long run.

The deductible is another key thing in determining the rate that a person will pay for car insurance yearly. If a person has a low deductible that means that they are covered much more in case of an accident, hence the price of their policy will be higher. For this reason if you increase your deductible even a slight bit, you will be able to save some money. Higher out of pocket costs mean lower monthly premiums, which result in lower yearly rates.

Other ways to save on automobile insurance for Ohio residents include bundling services under one company. This means that if you have health insurance, automobile insurance or homeowners insurance you will be able to get a cheap deal. Simply just find out which insurance carrier offers all three, or even two of them and bundle them together under one policy. A person can save up to 10% off the price if they do this, not to mention that nowadays; most insurance companies offer a variety of services.

An Ohio resident can also opt to asking for discounts for driving less. If you drive less frequently you might be able to get a low mileage discount which can save you some money in addition to the things said above. Not only this, but you can also get a discount for being a safe driver just like in many other states. Believe it or not, insurance companies do not check your driving record that often, which means that you won’t be able to get a good driver discount unless you tell them about it.

It usually takes three years of clean driving with no accidents, DUI’s or citations for an insurance company to even consider giving a clean driving record discount. However, the benefits of this discount are plenty because you can save HUGE amounts of money after a company considers you a defensive driver. It is also worth mentioning that there are many other discounts such as good student and vehicle safety features, but they vary from company to company. Because of this reason it is important to do some research with every single company out there before you decide on which auto insurance company is right for you.

By: James J. Robinson

Car Insurance in New Jersey – Know the Basics

admin — Wed, 05 May 2010 02:02:23 +0000

Auto insurance is mandatory in New Jersey, but the type and cost of that coverage can vary considerably. Every day, consumers are finding that there are options available to make it easier to comply with the law. The New Jersey Automobile Insurance Cost Reduction Act mandated that a basic policy be available to all drivers.
It is essential to realize that you are breaking the law if you drive uninsured. The penalties for driving uninsured are getting more severe – in addition to risking economic loss by not having insurance protection, you risk fines, suspension of driver’s license or registration and even time in jail. In the future, your car could be impounded if you are caught behind the wheel without coverage.

The Basic Policy should be considered by those with few family responsibilities and few real assets. It can provide a transition for younger drivers who are just beginning work, providing a basic, minimum protection when they may be least able to afford more comprehensive coverage.

Let’s review the New Jersey auto insurance Basic Policy. The Basic Policy offers less protection, but at a lower cost than the Standard insurance policy.

Bodily Injury Liability

Coverage for claims and lawsuits by people injured as a result of an accident you cause. Coverage is not included but $10,000 coverage for all persons, per accident is available as an option.

Property Damage Liability

Coverage for claims and lawsuits by people whose property is damaged as a result of an accident you cause. Coverage of $5,000 per accident is provided.

Personal Injury Protection

Coverage for injuries sustained in an automobile accident by you or other persons covered under your policy. Coverage of $15,000 per person, per accident and up to $250,000 for permanent or significant injury is provided as defined in the policy.

Uninsured/Underinsured Motorist Coverage

This type of coverage would pay for property damage or bodily injury if you are in an accident caused by an uninsured motorist (a driver who does not have the minimum level of insurance required by law) or a driver who is insured, but who has less coverage than your underinsured motorist coverage. This is not included in the Basic Policy.

Collision

Coverage for damage to your vehicle as the result of a collision with another car or other object. This coverage is not included in the Basic Policy.

Comprehensive

Coverage for damage to your vehicle that is not a result of a collision, such as theft of your car, vandalism, flooding, fire or a broken windshield. Comprehensive coverage also pays if you collide with an animal. This also is not included in the Basic Policy.

Collision and comprehensive coverage are available as options on policies issued through PAIP (Personal Automobile Insurance Plan) or on voluntary policies issued by some insurance companies. This is very significant for anyone who has a vehicle loan or lease that requires such coverage.

Another affordable car insurance option in New Jersey is the Dollar a Day Auto Insurance Policy or theSpecial Automobile Insurance Policy (SAIP). This is a new initiative to help make limited auto insurance coverage available to drivers who are eligible for Federal Medicaid with hospitalization. Such drivers can obtain a medical coverage-only policy at a cost of $365 a year.

People who are currently enrolled in federal Medicaid with hospitalization are eligible for the Dollar a Day policy. You are eligible if the Card Run Identifier on the upper left of your Medicaid ID card has an asterisk “*” after the code and “SAIP” is printed on the lower right of the card.

The SAIP policy can be obtained at most insurance agencies. There are two payment options: $360 if you pay up front or $365 in two installments.

The policy covers -emergency treatment immediately following an accident and treatment of serious brain and spinal cord injuries up to $250,000. It also provides a $10,000 death benefit. It does not cover -outpatient treatments such as doctors’ visits covered by Medicaid, damage you may cause to other persons or property, or damages to your own car.

The policy only covers those enrolled in Medicaid. If there is one car and several people in the household enrolled in Medicaid, they can all be covered by the same policy. However, there can only be one car per policy.

To apply for this policy, bring the driver’s licenses for all operators of the vehicle to be insured and the vehicle’s registration and your Medicaid identification card that shows that all persons to be covered under the policy are enrolled in Medicaid.

Remember for both of these types of New Jersey car insurance policies, if you do not have any liability coverage; you are responsible for paying for the personal hardships and some economic damages, such as lost wages, that you cause. The insurer will not provide or pay for a lawyer to represent you if you are sued. Your assets will be at risk, including the risk of having money deducted from your wages if a judgment is entered against you. And, if you lack coverage and someone hits you, you cannot sue.

By: Marie Wakefield

Where Did Auto Insurance Come From?

admin — Thu, 22 Apr 2010 08:24:27 +0000

Many people would find it strange to think that the story of auto insurance would start back in Mesopotamia 5,000 years ago. It did not start with chariot collision coverage, however, but with cargo insurance.

The modern story really started with the advent of the automobile in the last century, but the concept was not new and it was not created for automobiles. The concept was what was known as mutual assumption of risk. An even earlier concept began almost with the dawn of trade over 5,000 years ago. When ancient traders first began sending off boats loaded with cargo, the idea of catastrophic loss began to have some economic meaning. When a boat sank and a cargo was lost, a merchant could be ruined.

There were a lot of reasons that ancient man would have for why fate struck down one and let another prosper. It could have been the will of the gods or it could have just been pure luck, but regardless, neither reason made for good business. The idea of shared risk was the basis for insurance. If every merchant paid a small amount prior to each voyage and the proceeds were used to protect from catastrophic loss the unlucky one, luck lost a bit of its control on commerce.

When the automobile was first developed and began to replace the horse and wagon on the roads of America, it was not long before the prospect of catastrophic loss emerged again. The maritime insurance industry was well established from its ancient roots and it was an easy jump to automobile insurance on the same principle of mutual assumption of risk. The problem was two fold right from the beginning. There was the dual loss potential of actual damage to your vehicle and the much more serious liability issue.

It was liability that had the potential for catastrophic loss. When an accident occurred, even from the very beginning, it seemed that fault was assigned. This became a guiding principle of automobile accidents. Someone was always to blame and that person was liable for the damage to the other’s vehicle. Worst, they were liable for the injuries to the “innocent” people involved. It was this need to protect drivers from liability that led to the growth of automobile insurance.

The fact that uninsured motorist who caused accidents had no means to cover their liability was the spur to enact laws within the various states requiring a minimum amount of liability insurance. Each State passed their own laws and made enforcement part of the licensing and registration process. Some States, such as Virginia, allowed uninsured motorist to pay a hefty fee in lieu of having insurance, but the fee was actually a sort of risk sharing payment similar to insurance anyway.

By: Aazdak Alisimo

Cheap California Auto Insurance

admin — Wed, 14 Apr 2010 10:37:00 +0000

Californians are currently able to procure low cost, reduced limit automobile liability coverage. The California Low Cost Automobile Insurance Program (CLCAIP) is a new program that meets the financial responsibility laws of the State of California. These policies are accessible to competent citizens living in the counties of Los Angeles and San Francisco. To qualify, you need have a certain household income, driving record (the number of accidents and violations), and vehicle purchased value.

The voters of California enacted Proposition 103 (Prop.103) into law in November of 1988. Prop. 103 gives numerous consumer protections associated to buying and maintaining automobile insurance. Given below are some of the major provisions of Prop. 103 that protect your rights as an insurance consumer.

Prop.103 recognized a legal description of a “”Good Driver”" in this state. A Good Driver is someone who has been licensed for at least three consecutive years and has no more than one point on their driving record. Certain major violations may be considered for periods of seven years, such as a DUI (Driving under the Influence) conviction.

All automobile insurance companies licensed in California are required to tender coverage for Good Drivers. If you are a Good Driver and you are denied the opportunity to buy insurance from the company of your choice, then you can contact the California Department of Insurance for further action. Also, it is significant to note that your rates as a Good Driver should be lower by at least 20% to regular rates.

It also established new criteria that determine an insurer’s ability to cancel or non-renew your policy. There are only three bases on which an automobile policy can be canceled/non-renewed once it is issued: fraud/material misrepresentation, non-payment of the premium, or substantial increase in the hazard insured against.

By: Eric Morris

Florida Auto Insurance – Full Coverage and Keeping Down Costs

admin — Wed, 07 Apr 2010 20:04:23 +0000

Automobile insurance, no matter how confusing, infuriating or expensive it may initially seem is one of life’s unavoidable problems. In fact, if you decide to either skimp on it or skip it altogether, you may well discover that doing so is one of the most expensive decisions you ever made.

At first glance, the law regarding auto insurance in the state of Florida can be confusing to many. It is easy perhaps to fall into the trap of believing that purchasing Full Coverage will automatically protect you from all eventualities and consequences if you get into an accident. Unfortunately, in Florida, it would be a mistake to believe this. By purchasing Full coverage, you merely avail yourself of the very basic coverage required by Florida state law. Such coverage would include Personal Injury Protection, which will pay up to 80% of your medical bills and up to 60% in lost wages, is payable by whoever is deemed to be at fault for the accident. The maximum pay-out would be $10,000. As Florida is a No-Fault State, you are obviously required to carry this coverage. Property Damage would also be included under Full Coverage. It provides protection in case of negligent injury caused to another person while you are driving. These two elements will probably not be enough on your policy by themselves, even if carrying them would make you technically legal in the state of Florida.

So, what should you so if you want to add aspects to your policy whilst keeping the cost of the premium as reasonable as possible?

Perhaps the most important thing is to cultivate – and maintain – safe driving habits as a clean (or otherwise) record is one of the very first things an insurance company will look at when considering the level of your premium. Any convictions or points on your license can drive the cost of your premium up considerably. This is perhaps especially important for younger drivers (those under 25) to take into account, as their premiums will be higher as a matter of course.

You might also consider taking a certified road safety course with a reputable provider and show a copy of your certificate of completion to the insurance company. This is certain to get you a much more favorable rate, as safety-conscious drivers will always pay less. Search online as well for a comprehensive list of local providers in your area to compare quotes and receive the best rates possible for you in particular – the potential savings far outweigh any time you might invest in this.

By: Marcel A Johnson

No Fault Auto Insurance – Everything You Need to Know About No Fault Car Insurance Regulations

admin — Sun, 04 Apr 2010 23:02:57 +0000

No-Fault automobile insurance has been around since the 1970’s when legislation granted individuals the right to pursue medical reimbursements from their own insurance company in case of any sort of automobile accident. Although no-fault wasn’t practiced much back in the 70’s, it gained momentum in the 90’s and some states opted for passing legislation that transformed them into No-Fault Automobile Insurance states. For the most part these legislations were trying to get rid of long term litigation processes required often after an accident and the spending of dollars for these legal practices. In present day America there are twelve states that have No-fault legislation with regards to automobile insurance. The no fault auto insurance states are: Florida, Hawaii, Kentucky, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah.

The No-Fault Insurance term basically refers to any automobile insurance system that requires a driver to have car insurance for their own protection, while placing limitations on their ability to sue the other driver in the event of an accident. This is personally good because it avoids long term processes and court fees that can result after a wreck. This also means that if you reside in one of the twelve states that have no-fault insurance legislation and get in a car accident, you will have to go to your own car insurance so they can pay for your damages regardless of who is at fault in the accident. Even if the car accident is not your fault (an example would be when you get rear-ended) your insurance company will still have to take care of the expenses. The other driver (or drivers) involved in the wreck, will also have to go to their own car insurance company in order to pay for their damages.

It is important to know that in a PURE no-fault automobile insurance system the driver would be 100% covered for any damages he or she makes and therefore, they wouldn’t have the need to sue another driver for anything. Although the state of Michigan comes pretty close to the “pure” version of no-fault coverage, none of the twelve states mentioned above have a truly “pure” system. They all use for the most part, little rules of the no-fault system and the regular standard liability system; in which you pay for the damages you cause. Because of this reason, it is important to understand your state’s regulations on automobile insurance and how they might be different from the pure no-fault system.

Another important thing worth mentioning is that some states will allow you to choose from the No-Fault insurance coverage and the standard liability system. One of these examples is the District of Columbia, where you can go with either coverage. This means however, that in the case of choosing the standard system, you will be required to purchase Personal Injury Protection Coverage, also known as PIP.

The No-Fault system, like every other legislation; has people that see it as a great idea and some others that completely oppose it and view it as extremely unnecessary. Supporters of no-fault insurance, base their claims in that the state would lose time and money to conduct hearings on every person that would go to traffic court in case of an accident. They also state that if you account for the money people would have to pay for court fees and proceedings, the drivers would be spending more than if their premiums were raised.

Critics of the no-fault car insurance system on the other hand, argue that it is not fair for “good” drivers to report a claim to their company when the accident wasn’t their fault, hence getting their premium raised. They also say that the standard liability system would teach the driver at fault to be more careful because he/she would be sued once and that would be enough. Many critics argue that is it very tough to find cheap no fault auto insurance.

Statistics also show that states that have adopted the No-Fault automobile insurance system also have higher monthly premiums than those who don’t. Because of these critics many of the states are thinking about going back to the at-fault insurance system and some state legislation are bringing automobile insurance back to their agendas, to see what is better for their respective state. It won’t be surprising however, if most of the states with no-fault insurance change it in the next few years because a lot of people are starting to oppose this measure of automobile insurance.

Last but not least, it’s very important to highlight that because a state’s No-Fault insurance law doesn’t excuse them for not carrying automobile insurance when they drive. Most of the states that are part no-fault, allow drivers to sue other in case they sustain an injury, in other words they would sue you if you don’t have Bodily Injury Protection. It’s for this reason that is important for a person to familiarize themselves with their home state’s automobile insurance laws, since sometimes they can be very difficult to understand. For more information on no-fault insurance and the regulations your home-state has on automobile insurance you can contact your Department of Motor Vehicles.

No fault auto insurance can either help you out if you cause the accident and reside in one of the twelve states, or it can wrong you by raising your premiums and by “punishing” you if someone else hit you (if the accident is their fault). So find out what the laws for automobile insurance are in your state, and if you are part of a no-fault state be sure to ask your insurance company on the mandatory coverage within your state.

By: James J. Robinson