Monthly Archives: September 2015

What is Personal Injury Protection Insurance?

Personal injury protection insurance or ‘PIP’ is a kind of coverage that helps you to pay for medical and other expenses related to a vehicle accident. It covers all the people listed in the policy no matter who caused the accident. Personal injury protection is required by law in some states. The insured and members of his family which have been specified in the policy and are related by blood, marriage or adoption are covered by a personal injury protection policy. Step and foster children are also covered by PIP. All covered parties must live in the insured’s household at the time of the accident. Continue reading

Penalty for Driving Without Insurance

Many types of auto insurance are required by law, but what is the penalty for driving without insurance? Liability insurance is required by law in 47 states and the District of Columbia. Drivers who don’t comply face a range of potential punishments for not obeying auto insurance laws. There is not only a single penalty for driving without insurance. Penalties vary from state to state and depend on the infraction you have committed. However uninsured drivers could face fines, jail time, having their license and registration revoked, license plate removal and in certain Florida counties, Louisiana, Connecticut and New Jersey your vehicle may be impounded. Continue reading

What is Comprehensive Auto Insurance?

Comprehensive auto insurance will help you to pay for damages to your vehicle caused by fire, hail, flood, theft, and even impact with a bird or animal and falling objects or vandalism. Comprehensive auto insurance contains a facility for a range of deductibles which are set by you when you choose your policy. When you buy your comprehensive auto insurance you will be asked to decide on a deductible. Of course the higher the deductible the lower your premiums are likely to be. However it will mean more money out of your own pocket. Let’s look at an example. Continue reading

Buying Auto Insurance – How much is Enough?

Buying auto insurance can be tricky but there are some basic steps consumers can take to get the best deals. Your auto insurance strategy should start by making sure you understand just how much insurance coverage you need. This might depend on the laws in the state where you live. Write down the types of coverage required by state law as well as any other kinds of coverage you think you might need. Continue reading