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As most states have comparable negligence laws, even if you are an incredibly cautious driver, a portion of the blame will be yours.According to the Centers for Disease Control and Prevention, the cost of injuries (medical and loss of productivity) from car accidents was billion in 2010.
Modern automobile insurance coverage has been around for more than 100 years and first became mandatory in Connecticut in 1925.
However, most states did not require car owners to insure their vehicles until the mid-1950’s.
In order to become a savvy auto insurance consumer you need to understand exactly how each type of coverage works.
Liability insurance pays for damage and injuries that result from accidents where you are deemed at fault.
In exchange for this coverage, you need to pay an insurance premium to your provider.
Writing Discussion Paper Research Paper - Car Insurance Research Paper
The six different types of auto insurance all cover different problems.
Here’s a map identified the percentage of drivers without insurance in each state: Underinsured motorist coverage protects you from shortfalls in the coverage of the other driver in the case of an accident.
Let’s say, for example, your brand new Mercedes S class was totaled in an accident with a driver who only has state minimum liability coverage of ,000.
Sometimes insurance companies sell both uninsured and underinsured coverage under the same policy, while others sell them as two separate types of coverage.
PIP or Personal Injury Protection goes above and beyond paying for medical and hospital expenses.