The Ins And Outs Of Auto Insurance
By Dr. Drew Henry, Mon Jan 2nd

Bodily Injury Liability, Collision, Comprehensive, PropertyInjury Liability. Do you know what these terms mean? If you arecurrently paying for any type of auto insurance, then these aresome terms you should know to maximize the benefits of yourplan(s).

Bodily Injury Liability. If you were at fault in an accident andothers involved needed to go to the hospital and/or lost wagesfrom missing work, those costs would come out of your pocket ifyou are not insured with Bodily Injury Liability. Anyone willsoon realize how quickly those amounts can add up to. Manystates require you to carry Bodily Injury Liability. This typeof coverage can also help you in the event the other party takeslegal action against you.

Collision Coverage. In the event you need repairs orreplacements if your vehicle collides with another vehicle orproperty, you'll need this. The higher the deductible you elect,the lower your premiums will cost you. If you're at fault forsomething, well of course it would still be an accident, as Idoubt you'd plan to run into that guard rail, but how much wouldyou be able to afford to pay out of pocket for repairs? Don'tforget to check if this coverage is available in your plan!

Comprehensive Coverage. This is the coverage

Progressive Review: Getting screwed
Reviewed by rarack22 from Southern Ohio on January 18, 2012. Recommend: No.
Progressive Review: Just a big LIE
Reviewed by Debbie from Orlando, Fl on January 2, 2012. Recommend: No.
AAA Review: AAA Sucks
Reviewed by JIMMARMI from Davison, Mi on December 29, 2011. Recommend: No.
Progressive Review: The worst...
Reviewed by G from WA on December 23, 2011. Recommend: No.
Progressive Review: rip off and fraud if you have progressive
Reviewed by LINDA from COLORADO on December 16, 2011. Recommend: No.
Westfield Insurance Review: No loyalty to a 22 year policy holder
Reviewed by BRUCE from NORRISTOWN PA on December 13, 2011. Recommend: No.
Progressive Review: Cancellation fee - almost no service
Reviewed by Olgie from CA LA on November 5, 2011. Recommend: No.
Progressive Review: Stay away -- they are PROGRESSIVE
Reviewed by Stranger from Miami on October 24, 2011. Recommend: No.
Westfield Insurance Review: Sarcastic Adjuster
Reviewed by JC from Medina, Ohio on October 12, 2011. Recommend: No.
USAA Review: USAA Slow Misrepresentative
Reviewed by skyewalker99 from Daytona Beach Florida on October 4, 2011. Recommend: No.
Allstate Review: AllState Refused Responsibility
Reviewed by Patricia Grubb from Fort Worth, TX on October 4, 2011. Recommend: No.
ACUITY Review: Acuity Ok
Reviewed by TE from Wisconsin on September 28, 2011. Recommend: Yes.
State Farm Review: with this co. about fifty years
Reviewed by arniet from miami, florida on September 12, 2011. Recommend: Yes.
Selective Insurance Review: Worst Claim Service EVER
Reviewed by Becky from Michigan on August 11, 2011. Recommend: No.
GEICO Review: scammers that dont pay claims
Reviewed by solar pro from chester county on August 6, 2011. Recommend: No.

that pays fordamage caused from falling objects, fire, certain naturaldisasters, theft and vandalism.

Property Injury Liability. Can you imagine how much it mightcost should you accidentally drive into someone's house? Youwouldn't want to be caught without property damage insuranceshould you need to pay for repairs to another vehicle, buildingor anything else you might hit. As they say, you can never betoo sure what you may run into while driving!

With these different types of liability coverage, you'll quicklydiscover that unfortunate accidents soon become less dreadfulthen they seem. For example, imagine if you crashed into therear-end of another driver. Your liability coverage will kick inand pay for the damages that you caused with your insuredvehicle. Imagine having to pay those damage costs yourself outof pocket! It's important that you understand the basics of whatyou are paying for and why it is necessary. By knowing thesetechnical terms, you can make sure your coverageis as complete and reliable as possible.

About the author:Dr. Drew Henry operates a network of auto-related websites,including World OfUsed Cars, I Buy MyCar and New HybridCars. Visit his sites today for more articles.