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1. Auto Insurance Coverage Reviews:

A. Liability Coverage
B. Uninsured and underinsured Motorist Coverages
C. Medical coverage
D. Auto Collision coverage
E. Comprehensive Coverage
F. Miscellaneous coverages

2. Valuable Resources

A. Rate Comparisons
B. Complaint Ratio List
C. The State Guarantee Fund
D. When and How to File a Complaint
3. Selecting an insurance company
A. Company Reputation
B. Price, Service and Size
C. 12 Questions to Ask
D. Selecting an Agent
E. Independent Agents Vs. Captive Agents
F. How to Resolve a Problem
G. What Can an Insurance Company Find out About You?
4. Claim process
- Settling a Bodily Injury Liability Claim
Discounts Available from Most Auto Insurance Companies
The Savings Calculator
Auto Insurance Coverages Auto Trader

B. Uninsured and Underinsured Motorist Coverages
These coverages protect you and your passengers from the financial loss
incurred due to an accident caused by a driver who has no insurance or insufficient
amounts of insurance. Contrary to popular belief, these coverages do not cover the other driver. You are protecting yourself! Another major misunderstanding about
these coverages is they do not cover your vehicle for physical damage. Check with
your insurance company to see if the collision coverage on your policy would cover
you in such an event, or if additional material damage coverage is needed to cover
your vehicle. If your collision coverage covers your vehicle, you may want to
purchase a collision deductible waiver (if available), to ease your concerns about
paying your deductible in such an occurrence.

Policies vary from state to state but in most cases uninsured and underinsured
motorist coverages cover you in any motor vehicle you are in, as well as being a
pedestrian or riding a bicycle. These coverages act as the other person's bodily
injury liability since they didn't carry adequate coverage. In other words, your
insurance company is now liable to cover your medical expenses, time off from
work, pain and suffering, death, disability or other miscellaneous related expenses.
State requirements may vary from a minimum of $15,000 per person, $30,000
per accident, to no requirement for these coverages at all. The limits of uninsured
and underinsured motorist coverages selected guarantee you the minimum amount
of protection you will have in the event of another driver's error or negligence.

At this point, I would like to briefly address "no fault" coverage. Some states
are "no fault states" which means, by law, your coverage is different than I have
outlined above. In these states, you select the amount of bodily injury protection you
desire and purchase that coverage from your insurance carrier. Each state's laws
vary, making it almost impossible to cover this topic in detail. However, I will say this,
you have to use the same considerations in selecting "no fault" coverage as you do
in selecting your uninsured and underinsured motorist coverages as I have outlined.

One of the most frequent and expensive mistakes people make is duplicating
coverages. What I mean by this is they carry coverages on their auto policy that
they are already covered for on other policies. The only area of coverage not
duplicated by another policy, and can only be covered by the auto policy, is coverage
for pain and suffering.

Examples of duplicated coverages that may exist under uninsured and underinsured motorist coverages are as follows:
You may be carrying major medical coverage for you and your family with a
$500 deductible and a co-pay of 20% up to a limit of $1,500 out of pocket per
person, with a maximum out of pocket of $4,500 per family. You may also be
carrying life insurance on yourself and your spouse and possibly disability insurance
through your employer. In addition, social security has survivor benefits for dependent
children under the age of 18 if the parent dies and is covered by social security.

There are also disability benefits for the worker covered under social security.
The next step is to check with your major medical, life and disability insurance
companies to see what coverages you already have so you can determine what
limits of uninsured and underinsured motorist coverages you need. You don't want
to purchase duplicate coverages from your auto insurance carrier; that's throwing
money away since most policies will not make duplicate payments. Duplicate
payments will be discussed in more detail a little later.

Unlike liability coverage where your risk in theory is unlimited, here we can
evaluate our needs based on the coverages you already have. Here are several
questions you should ask yourself. How much risk do I have before my medical
coverage pays 100%? Is my life insurance adequate? If not, in most cases it is
better to upgrade the life insurance since you are not limited to coverage only in the
event of an auto accident. What about disability coverage? This is often the most
neglected of all non-auto coverages.

My personal opinion on uninsured and underinsured motorist coverages is
as follows: You need to evaluate the cost of uninsured and underinsured motorist
coverages at minimum limits and higher limits and then decide if the extra cost is
worth it. Look at the cost of $15,000 per person, $30,000 per accident, versus the
next several levels, say $25,000 per person, $50,000 per accident, $50,000 per
person, $100,000 per accident or $100,000 per person, $300,000 per accident.
You may notice that going from the minimum limits to the next level is fairly reasonable
in price while going to the higher limits could become a bit pricey.

If the state in which you live has no requirement for uninsured or underinsured motorist coverages, it's your decision whether you carry the coverages at all. I
hope I have given you the tools necessary to make an educated evaluation and
decision for yourself.

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