Auto Insurance Matcher

What is the uninsured motorist coverage and PIP coverage ?

In addition to compulsory auto liability coverage, some states require drivers to carry uninsured motorist coverage and others require drivers carry both uninsured (UM) and underinsured (UIM) motorist protection. Fifteen states plus the District of Columbia mandate uninsured motorist coverage for its drivers; they are: Illinois, Kansas, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Virginia and West Virginia.

Only six states enforce compulsory uninsured AND underinsured motorist coverage protection. They are: Connecticut, Maine, Minnesota, North Carolina (1/1/09), Vermont and Wisconsin.

Personal Injury Protection (PIP) also known as “No Fault” protection is the last major compulsory auto coverage law to which drivers may be subject. Six

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Tags: Auto, Auto Insurance

 Shauna : If you have two autos that carry full coverage, do you have to add your husband to the policy?

Response : You should, particularly if he has any access at all to the vehicles and/or drives them, even on an occasional basis.

The reason behind this is that you pay a premium for the drivers in your household. If you’re paying a premium for only yourself, and your husband uses the vehicles, you’re not allowing the insurance company to rate you correctly. This could be called misrepresentation, particularly if your carrier has asked you to give them information on all the drivers in your household.

But…if your husband has a good driving record, and is free of accidents, you probably won’t see much of a rate change, if any at all. If he has

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Tags: Cover, Cover Drivers

According to the article “Auto Insurance: High Auto Insurance Rates? Y

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Tags: Auto Insurance, Auto Insurance Rates, Insurance Rates, Rates

Michael : This was a good information on GAP car insurance. Please let me know if there are any exclusions in this so that I can compare auto insurance quotes correctly and get the right coverage.

Response : Michael, I am glad you  liked my note and information on GAP insurance. I have been in this field for over 2 decades and I love talking on it at any time of the day.  I know insurance can be very baffling for most people since there are many things tide together. 

A review of GAP policies shows remarkable similarity in both coverages and exclusions. No

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Tags: Car Insurance, Coverage, Gap Car, Gap Car Insurance