Yo Auto Insurance Specialist

Most of us couldn’t wait to get our license when we turned the magic age that allowed us to obtain one in our state of residence. That was the fun part because our parents let us drive one of their cars. But when we got older we found that insurance was just one of the necessary expenses of maintaining a vehicle of some sort. For some they found that it was cost prohibitive so they either didn’t buy a vehicle or one sold the one they had, thinking that if we needed to go somewhere we could barrow someone else’s for that most people would think that all they needed was a valid driver license and that would be enough. (It’s not!) There is not a state in the union that does not require liability insurance if you have a valid drivers license. What? That’s right if you maintain a valid drivers license you must maintain liability insurance. Non-owners liability for an auto even if the person who you barrow the car from has the best policy you can buy. If you have an accident their policy comes into effect secondary yours is primary, that’s why you must have liability insurance, some states call it financial responsibility. Now if you’re biker and have just sold your bike and don’t plan on getting another for awhile strip down your policy to liability only because with a bike as an auto it is transferable to another motorcycle but not to a car and visa versa.

Now that you understand that you need liability insurance even if you do not possess a vehicle but you have a licence: the next step is how much liability do you need to carry? That’s easy how much do you stand to lose if you hit someone and you’re at fault or over 50 % at fault? If you’ve a house, business assets etc. you definitely want to consider the highest the company offers 100/300 250/500 500/1,000,000. or take minimum that your company will allow for you to have so you can put an extended liability rider, coverage, on all yourvehilesincluded your house. They usually start out at 1,000,000. and go up this coverage is not real expensive unless you’ve got youthful drivers in the household. Next coverage to think about is medical this pays no matter who is at fault and in most states it pays for most mishaps caused to the people in your vehicle. No you are required to carry medical you can waive it (not good idea)

Next is uninsured motorists, some states also include under-insured motorists with this coverage. That simply means if another driver hits you and causes medical injuries over and above their limits your uninsured motorists limits can be added to help cover the medical expenses of the people in your car. You can not have uninsured motorists limits higher then your liability limits. You can also waive this coverage(Bad idea)

Next is collision this coverage comes into effect in most states when it’s your fault, a hit run accident or you collide with another object an animal crossing the road IE. You can waive this coverage one reason would be the vehicle isn’t worth anything. Comprehensive.That is theft, fire, wind hail vandalism. Glass breakage in most states has to have a stated rider on it saying it is. Also be-aware if some breaks into your vehicle and steals something that is not part of the vehicle laptop and your leather jacket it is covered by your auto policy that is your homeowners, renters , condominium policies.

With some companies AAA for example towing is part of the policy. With others they have indemnity accidental death dismemberment riders you can have.

Remember if you’re not sure bout a coverage ask your agent or call customer service. You’re not being stupid for asking a question you’re not sure about. You are being stupid when you don’t ask a question that is important to you and the well being of your family. That’s the Insurance agents/companies job to answer your questions not just sell you a policy.

I am including links to my other web insurance adviser web pages: Thanks for visiting and send me your friends.

http://bzkid.wordpress.com/2009/03/07/hmo-vs-ppo/

Aflac Information and policies

http://bzkid.wordpress.com/2009/04/09/aflac/

http://mcsplst.wordpress.com/2009/02/25/motorcycle-insurance-specialist/

http://mcsplst.wordpress.com/2009/02/28/atv-adviser/

http://bzkid.wordpress.com/2009/03/07/rv-adviser/

Homeowners advise

http://mcsplst.wordpress.com/2009/03/02/insurance-solutions/

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