Frequently Asked Questions (FAQ) Auto Insurance

The range of options available to you when obtaining auto insurance quotes can be quite bewildering. This FAQ (Frequently Asked Questions) will answer some of the most common queries. It is intended only as a guide. For more detailed answers and definitions you should check with your Auto insurance company.

Do I Have To Have Auto Insurance?
In nearly all states yes you do have to have a minimum coverage in the event of a car accident. The only states where it is not mandatory are Florida, New Hampshire and Wisconsin but these states do require you under their financial responsibility laws to be able to prove that you have sufficient minimum assets to cover the expenses relating to both bodily and property damage due to an accident.

What Is "No-Fault" Insurance?
This form of auto insurance pays for a driver's own bodily injuries and property damage up to the policy limits irrespective of who caused the accident. It is mandatory in some states but not in other so it would be wise to check with your own insurer to see if applies to you.

What Is PIP?
PIP, or Personal Injury Protection is intended to cover an insured person, passengers and any family members who are covered for some reasonable expenses for bodily injury due to a covered accident, no matter who is at fault. It is not available in every state. Each policy will specify different expenses but the most common are medical and hospital, funeral and loss of income.

What Is Bodily Injury Liability Coverage?
This coverage is to protect the insured from claims by other persons injured in an accident where the insured was at fault. Coverage is usually extended to family members.

What Is Medical Payments Coverage?
Medical Payments Coverage typically helps protect you, covered family members, and covered passengers. It provides payment for reasonable and necessary Medical Treatment for bodily injury caused by a covered accident, regardless of who was at fault. Typical include expenses are ambulance, emergency room, X-rays and surgery costs.

What Is Uninsured/Underinsured Motorist Coverage?
Uninsured/Underinsured Motorist Coverage typically covers damages to you and your property caused by another driver who doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages. This coverage varies from state-to-state. Recent trends show a rapid growth in accidents caused by under or uninsured teenagers.





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