Auto Insurance Law » Property Damage Liability

Massachusetts Car Insurance Requirements When Getting Quotes

admin — Tue, 29 Jun 2010 17:05:28 +0000

It helps to have a few things ready when shopping for car insurance in Massachusetts, including your current policy information. Also you should know what the minimum requirements are for Massachusetts auto insurance. Here is some helpful information.

Massachusetts requires car insurance by law and is a state with a no-fault system, meaning you need to have Personal Injury Protection which will pay for your injury claims — up to a limit– no matter who’s at fault.

Massachusetts’ compulsory — or required — coverages are (keep in mind these are minimums and you may want higher limits for better financial protection):

Personal Injury Protection, or PIP, which pays necessary medical costs if you are injured in an accident. Minimum coverage of $8,000.

Bodily Injury — $20,000 per person who is hurt or killed in an accident, and $40,000 per accident if several people are hurt or killed.

Bodily Injury Caused By an Uninsured Auto — $20,000 per person who is hurt or killed in an accident, and $40,000 per accident if several people are hurt or killed.

Property Damage Liability — $5,000 for property damage caused by you in an accident.

Car insurance rates in Massachusetts are strictly regulated by the state. However, Massachusetts Insurance Commissioner Nonnie Burnes is currently trying to pass a plan to deregulate the insurance industry in her state. This would bring in more car insurance companies and more competition which could bring down rates and costs to car owners.

However, you should always do some comparison shopping when looking for car insurance; you may be able to save on overall costs and you’ll certainly get a better idea of how each company’s service is going to be. Try to get at least three different comparison quotes. To get the most accurate comparison, make sure you provide the same information about deductibles and coverage limits to each company.

By: Justin Scott

How to Compare Low Cost Car Insurance In Michigan

admin — Sun, 13 Jun 2010 10:36:38 +0000

Most of us do some comparison shopping when we are looking for a big ticket item like a refrigerator or a television. However, many people in Michigan never take the time to try and find the best deal on car insurance. The best way to compare low cost car insurance in Michigan is to call up a few agents and ask for quotes. You do need to be aware of exactly what type of car insurance you need before you pick up the phone.

Purchasing the minimum coverage required by state law in Michigan may be sufficient if you drive an older vehicle on an occasional basis. If you are driving back and forth to work or school daily, you need to consider a policy that offers more types of coverage. The additional types of coverage include comprehensive and collision coverage, uninsured motorist coverage, and limited property damage liability coverage. Once you know exactly what types of coverage you feel are necessary you can then start gathering quotes.

Start with your homeowner’s insurance company. Explain that you already have a policy with them and you’d like to add on car insurance coverage. In most cases you’ll be offered a discounted rate because you are purchasing more than one type of insurance. Adding on a health insurance or life insurance policy can result in lower premiums for all of them. This is a great approach for someone who already has policies spread out over several companies.

Call agents that represent other companies as well though. Even if you suspect that you have already been offered a rock bottom price you may be surprised. Insurance in Michigan is a competitive business. There is a law in the state which prohibits one insurance company from contacting another just to compare rates. This means the consumer can expect to have several companies all clamoring for their business by offering a good rate. The resulting lower price for premiums is great news for all drivers.

By: Deborah Mills

Auto insurance news guide

admin — Tue, 01 Jun 2010 01:22:58 +0000

Auto insurance is another name for security of your vehicle. As the name suggests auto insurance is all about insuring one’s vehicle against all kinds of threats for instance theft, accident and other related dangers. The basic types of auto insurance coverage are -

1. Bodily injury liability, which provides coverage for bodily injury claims from the people who might get injured in an accident with your vehicle.

2. Property damage liability covers any property damages to third parties such as another person’s car you damaged or are responsible for.

3. Medical expenses to the policy owner and other passengers in the policy owner’s car.

4. Uninsured and underinsured motorist coverage saves the negligent driver with or without insufficient insurance. In most states, this covers only bodily injury losses while in other cases property damage losses are also included. However it is quite important for everyone to get this coverage because it protects us from all expected as well as uninvited problems. For instance at some places an uninsured motorist caught driving with a suspended license in a car with a revoked registration goes to jail.

5. Physical damage stands for damage to your car that can be through accident or any other means such as collision, storm etc. In this the collision coverage pays for the physical damage caused to a person’s vehicle through collision.

However prior to purchasing an auto insurance policy there are quite a few things, which should be borne in mind. For instance- shop for the best policy available, always ask for high deductibles, check the insurance of the car or any other vehicle prior to purchasing it, coverage of the car varies with its worth, the profile of the company through which you will buy the insurance and last but not the least go with a low cost auto insurance for instance at places such as Santa Clara, San Marino Mateo and Alameda counties low cost auto insurance has arrived at premium rate of $322 and $355 respectively.

Whereas the auto insurance rates are concerned the American Farm Bureau suggests that the insurance rates for a driver should be based on the risk of that the driver should be based on the risk that the driver confronts for having an accident or loss and since rural drivers in the rural areas are less prone to risks, they should not be asked to pay more for their auto insurance.

In California there is a debate over the auto insurance policy rates. While on the one hand due to the rules offered by California Department of Insurance the rates of auto insurance are expected to touch the sky, on the other hand the California Farm Bureau strongly opposes it and claims that the new rates presses rural residents to shell out more money in order to subsidize the cost for urban residents.

However nowadays auto insurance companies are troubled with excess of crime or fraud in this area. Lately in North Carolina thirteen people were arrested accused of staging motorcycle wrecks to collect insurance money. Many such cases are reported in other parts of the world. As a result the government of different countries is looking for ways and means to combat the crime situation.

By: Mansi Aggarwal

Minimum Levels of Required Auto Insurance

admin — Tue, 18 May 2010 09:45:43 +0000

All 50 states have different requirements when it comes to budget auto insurance. In some states, motorists can’t register a car without showing proof that they have liability insurance, while other states use an “honor system” that doesn’t ask for proof of insurance until drivers have accidents or tickets on their records.

Only two states do not require motorists to carry liability coverage, but those that do demand that drivers purchase at least the state’s minimum. In other words, if you live in a state that requires liability insurance, you can’t walk into your insurance agent’s office and buy only $2,000 worth of liability coverage. If you’re going to buy it, you must purchase at least the minimum amount required.

How to Read Liability Limits

The following information will help you understand the table of liability limits.

First number: bodily injury liability maximum for one person injured in an accident.

Second number: bodily injury liability maximum for all injuries in one accident.

Third number: property damage liability maximum for one accident.

The Insurance Information Institute provides a chart of minimum insurance requirements by state, including uninsured motorist coverage. So, looking at their table below, you find that in Alabama the minimum liability limits are $20,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident.

What is No-Fault?

Some states have “no-fault” laws, meaning your auto policy must pay medical bills for injuries suffered in an auto accident regardless of who caused the accident. The laws were enacted in an attempt to reduce auto-injury fraud and keep car insurance costs down.

By: Amy Danise

Colorado Auto Insurance Minimum Coverage Requirements

admin — Tue, 11 May 2010 20:02:59 +0000

Are you aware of the Colorado auto insurance minimum coverage requirements? The minimum levels of auto insurance coverage requirements are set by CO lawmakers. Driving without the required insurance is a very serious matter and can result in penalties and unwanted hassle.

Bodily Injury Liability

As a Colorado driver, you must have at least $25,000 in individual bodily injury liability insurance in place. This type of insurance pays for the medical expenses of a person injured in an automobile accident where you are considered the at-fault driver. Your policy must also have a cap of at least $50,000 to pay the medical bills for two or more people injured in the same accident.

Property Damage Liability

The property damage liability portion of your policy pays for damage caused to objects, such as the other driver’s vehicle, a mailbox, a fence, or a shed. The minimum level of coverage required by law in CO is $15,000.

Please keep in mind that the minimum levels of insurance coverage set out here are just that. Drivers in Colorado do have the option of buying more coverage if they want to. Before you make a decision about what level of coverage to buy, you will need to keep in mind that if you at the at-fault driver in an accident, you will be responsible for paying for damages above your policy limits.

It makes more sense to insure your vehicle properly and not take the chance that you will have to consider tapping into your savings or liquidating your assets after an accident. Your insurance company or agent can help you to figure out how much coverage you should have in place.

Find Colorado Auto Insurance Coverage Today

Now that you know what the Colorado auto insurance minimum coverage requirements are, why don’t you get take the next step and make sure you have enough protection for your needs? Spend a few moments comparing rates from some of the top companies and you can be on your way to the best Colorado car insurance in a jiffy!

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

Liability Auto Insurance

admin — Fri, 30 Apr 2010 09:33:55 +0000

Auto insurance is a contractual agreement between you and your insurance company. To acquire an insurance policy, you must pay an what is called a yearly “premium” to your insurance company. In exchange for the premium, the insurance company agrees to pay for certain types of financial losses when you are involved in an auto accident while driving your car. These financial losses include items such as property damage, medical coverage, and legal fees.

Driving without auto insurance is not only risky; it is against the law. If you are caught driving without auto insurance, you may have your license suspended, face severe fines, or – in the case of an auto accident, you can potentially go to jail if your car is not properly insured at the time of the accident. Car insurance is a necessary evil, and although we may get frustrated with having to pay for it, the fact is we need it. Auto insurance is a “cost of driving” that simply cannot be avoided.

The absolute minimum auto insurance coverage you are required to carry varies from state to state. This minimum coverage is generally referred to as “liability insurance”. This insurance covers bodily injury and property damage.

When quoting or discussing liability insurance, there are three numbers that are used to describe the policy limits. The first number refers to bodily injury limits, the second refers to total medical liability coverage, and the third number refers to property damage limits. For example, a 15/50/20 liability policy is defined as: fifteen thousand for
personal medical liability per person, fifty thousand maximum medical liability coverage, and twenty thousand maximum property damage liability.

Bodily Injury Liability covers injuries that occur to you or any other person involved in an accident when it has been determined that you are the “at fault” driver. Typically, this also covers you while you are driving another person’s car (with their permission of course) or when someone else is driving your car (with your permission).

Property Damage Liability covers the cost of damage you cause (or a person driving your car with your permission) to someone else’s property in an accident when it has been determined that you are the “at fault” driver. This refers to damage caused directly to someone else’s car and also covers damage to city property (light posts, telephone poles, fences, etc) and other structures such as houses, apartment buildings, etc.

The minimum liability limits set by your state are low. It is highly recommended that you purchase a liability limit that is much higher than the state minimum in case a third party sues you for amounts above and beyond your insurance policy’s maximum coverage. Although purchasing your state’s minimum liability insurance allows you to legally register and operate your car, it is recommended that you acquire at least five times the minimum liability limits set by your state. This helps protect your assets such as your personal savings, your home equity, your personal property, etc. Depending on your total assets, you may wish to purchase even higher liability limits. You should check with a licensed insurance agent to determine the proper liability limits for your insurance policy. He or she can help you determine limits based on your assets and lifestyle.

Liability insurance can be costly for young drivers or for drivers with a poor driving record (accidents, speeding tickets, etc.) When acquiring insurance for a teenage driver or for someone with a poor driving record, you should check with your state’s Department of Insurance. They might have programs to help drivers purchase liability insurance at a discounted rate. For example, at the time of this writing, the State of California’s Department of Insurance has a low-income, liability insurance program that can be purchased for approximately $400 per year.

By: Christian Rios

Florida Car Insurance Requirements

admin — Tue, 16 Mar 2010 02:28:06 +0000

Florida state law requires all drivers to carry Bodily Injury Liability Coverage; Property Damage Liability Coverage; and No-Fault Coverage.

In Florida the required minimum coverage for Bodily Injury Liability is:

• $10,000 per person injured in any one accident

• $20,000 for all persons injured in any one accident

The State of Florida also requires No-Fault Coverage which provides benefits (in a minimum amount) paid out regardless of fault. Per Florida statute drivers must purchase insurance which provides for Personal Injury Protection (PIP) with a limit of $10,000 per person for medical and disability expenses and $5,000 per person for death benefits. It should be noted that if monetary damages total less than the PIP monies issued, the policy holder will have no tort claim. A lawsuit may be brought, however, if the monetary damages are in excess of the PIP monies issued as well. A lawsuit may also be brought if there is any permanent injury; permanent loss of a vital body function; significant and permanent scarring and/or disfigurement; and death.

Consumers have the option of purchasing Uninsured Motorist Coverage which also includes Underinsured Motorist Coverage. If this choice is made, the UM must be in an equal amount to the Bodily Injury Liability Coverage unless a specific rejection has been made.

By: Elizabeth Newberry

Understanding Auto Insurance

admin — Sat, 13 Mar 2010 13:15:45 +0000

Many times, people ignore buying insurance coverage while purchasing a car, considering auto insurance as an aspect that would increase the financial burden. However, buying car insurance is vital as it considerably reduces financial burden incurred due to an accident or property damage.

Most people have a faint idea about their insurance requirements. According to the law, car insurance should cover certain minimal requirements in order to be considered as valid. The primary coverages included in car insurance are liability coverage, personal injury protection, medical expenses, death benefits, property damage liability, uninsured/underinsured motorist coverage, comprehensive coverage and collision coverage. Each state has different requirements pertaining to these coverages. Understanding these coverages could significantly reduce the insurance costs.

Liability insurance coverage is mandatory under most of the State jurisdictions. Liability insurance provides coverage against injury caused to the person driving the car. It also provides coverage to people injured and to the property damaged during the accident. The minimum required amount for liability coverage differs from state to state. However, liability coverage is not a compulsion is States such as New Hampshire, Tennessee, South Carolina and Wisconsin.

Certain States require insurance policies that provide personal injury protection and also cover all the medical expenses incurred at the time of treatment. Also available are certain policies that provide financial coverage against any lost wages, if the person insured is injured in any accident. It is always wise to select a policy that includes death benefit option, so that in case of the unforeseen death of the insured person during an accident, the policy provides financial security to the family.

Collision coverage covers any vehicle damage that has occurred due to a collision. Comprehensive coverage covers issues such as theft, fire, and damages due to falling objects, missiles, explosions, earthquakes, flood and riots.

By: Pauline Go

Auto Insurance Basics

admin — Thu, 25 Feb 2010 05:58:27 +0000

Auto insurance is a contract that protects your financial security in case of an accident. Although it is not mandated by federal law, the purchase of auto insurance is usually a requirement in most states; every state (with the exception of New Hampshire and Wisconsin) have minimum insurance laws.

These two states, instead of having insurance requirements, have mandated financial responsibility laws, so that the owner of a car is required to show that he has sufficient funds to pay any necessary claims. If said owner cannot produce proof of satisfactory assets, then he must buy an auto insurance policy. Regardless of the law, having good auto insurance is practical for the driver who wishes to avoid lawsuits or immense repair bills.

According to the Insurance Information Institute (III), a basic auto insurance policy is comprised of six basic types of coverage. While some of these types of coverage are required by state law, some are considered optional.

These are: 1. Bodily injury liability 2. Property damage liability 3. Medical payments or Personal Injury Protection (PIP) 4. Collision 5. Comprehensive 6. Uninsured/Underinsured motorists coverage

Liability Insurance

Liability coverage is the foundation of any car insurance policy, and is required in most states. If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills. Bodily-injury coverage pays for medical bills and lost wages.

Property-damage coverage pays for the repair or replacement of things you wrecked other than your own car. The other party may also decide to sue you to collect “pain and suffering” damages.

Liability insurance (both bodily injury and property damage) is the foundation of most auto insurance policies and is ideal if you are seeking a low cost car insurance policy. Every state that requires auto insurance mandates the purchase of property damage liability, and Florida is the only state that requires auto insurance but does not call for bodily injury liability. If you are at fault in an auto accident, your liability coverage will pay all the expenses, bodily injury, property damage, and any legal bills. The bodily injury coverage would pay for medical bills and lost wages; the property damage coverage would pay for any auto repairs, or replacement. Property damage liability usually repairs damage to other vehicles, but can also cover damages to things such as lamp poles, fences, buildings, or anything else that your car may have struck.

Remember, although purchasing only the minimum can get you a cheap auto insurance rate, if you cause a serious accident, minimum insurance may not cover you adequately. That’s why it’s a good idea to buy more than what your state requires. If you own a home and have nest egg and a savings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drivers who injure them in car accidents. If you’re sued and your liability insurance doesn’t pay for all of the damages, your personal finances are on the hook, and it’s likely you’ll become a target.

Collision and Comprehensive Coverages

If you cause an accident, collision coverage will pay to repair your vehicle. You usually can’t collect any more than the actual cash value of your car, which is not the same as the car’s replacement cost. Collision coverage is normally the most expensive component of your car insurance rate. By choosing a higher deductible, say $500 or $1,000, you can keep your premium costs down. However, keep in mind that you must pay the amount of your deductible before the insurance company kicks in any money after an accident.

Insurance companies often will “total” your car if the repair costs exceed a certain percentage of the car’s worth. The critical damage point varies from company to company, from 55 percent to 90 percent.

Comprehensive coverage will pay for damages to your car that weren’t caused by an auto accident: Damages from theft, fire, vandalism, natural disasters, or hitting a deer all qualify. Comprehensive coverage also comes with a deductible and your insurer will only pay as much as the car was worth when it got wrecked.

Because insurance companies normally will not pay you more than your car’s book value, it’s helpful if you have a rough idea of this amount. Check the Kelley Blue Book or the National Automobile Dealers Association. If your car is worth less than what you’re paying for the coverage, you’re better off not having it.

Neither collision nor comprehension insurance is required by any of the states, but some lenders, when the owner finances the car, may require the purchase of collision and comprehensive in the loan agreement. Even when it is not required, collision and comprehensive coverage is highly recommended by the insurance industry, so that in the unforeseen event of damage or theft, the owner of the car can avoid heavy bills. Theft of cars is not as unusual as some people may think. In 2004, a car was stolen in the United States every 26 seconds, and a car had a 1 in 190 chance of being stolen.

Medical Payments, PIP, and No-fault coverages

Medical payments (MedPay) coverage will pay for your and your passengers’ medical expenses after an accident. These expenses can arise from accidents while you’re driving your car, someone else’s car (with their permission), and injuries you or your family members incur when you’re pedestrians. The coverage will pay regardless of who is at fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her.

Personal Injury Protection (PIP) coverage is an extended form of MedPay. PIP may cover expenses that are related to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, there is no need to buy more than the minimum required amount of PIP or MedPay insurance.

If you have a good health insurance plan, there might be little need to buy more than the minimum required PIP or MedPay coverages, if at all. And, if you already have disability insurance, there’s little reason to purchase higher-than-minimum amounts of PIP.

Uninsured/Underinsured Motorists Coverages

Uninsured motorists (UM) coverage pays for your injuries if you’re struck by a hit-and-run driver or someone who doesn’t have auto insurance. It is required in many states.

Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. In some states, UM or UIM coverage will also pay for property damages. Similarly, underinsured motorists insurance will cover any damage caused when you are struck by a driver who is not insured for a sufficient amount.

If you are hit, as a pedestrian, underinsured coverage will cover the expenses. Uninsured motorists insurance is currently required by twenty states, and Underinsured motorists coverage is required by only four: Connecticut, Minnesota, Maine, and Vermont.

You’ll probably want to have at least the minimal amount of UM/UIM because if you can’t find the other driver, you’ll at least have some coverage for pain-and-suffering damages.

Add-on Features

Several supplemental auto coverages are available, either as separate premium items or included in augmented policies. -Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen. -Coverage for towing and labor charges in case of a road breakdown is also common. -Gap coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an accident.

Basic auto insurance is required by virtually every state and is typically the cheapest auto insurance in the marketplace. Proof of insurance is required at different times throughout the life of a vehicle.

You may be asked for proof of insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.

Any violations of state law regarding auto insurance could result in, at best, a hefty fine, and at worst, suspension of your driver’s license and/or time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished.

By: Amy Danise