What's Covered In An Auto Policy.

What's Covered In An Auto Policy

The auto policy can (but does not have to) include coverage for up to six distinct risks, each of which is priced separately. They are:

• Bodily injury liability, for injuries the policyholder causes to someone else.
• Medical, or in some states, Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
• Property damage liability, for damage the policyholder caused to someone else’s property.
• Collision, for damage to the policyholder’s car from a collision.
• Comprehensive, for damage to the policyholder’s car that doesn’t involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
• Uninsured motorists coverage, for treatment of the policyholder’s injuries as a result of collision with an uninsured driver. No state requires car owners to carry insurance for all these risks. But many states require drivers to carry minimum amount of liability insurance for bodily injury and property damage, as well as personal injury protection coverage.

In Georgia, the limits required by law for automobile insurance are 25/50/25. The first two figures refer to bodily injury liability and the third figure to property damage liability. For example, $50,000 for all persons injured in a single accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage.

Roughly 9 million Americans lost their health insurance as a result of the economic downturn, according to a new report*. In all, 52 million Americans are currently without health insurance.

The number of uninsured Americans rose by 4.3 million in 2009, mainly due to job losses. Most Americans receive health insurance benefits through their employer, and rising unemployment left many without coverage.

It's no surprise that those with the lowest incomes are most likely to be uninsured. Over 75 percent of the uninsured are members of the working-class.

Contrary to popular belief, losing a job doesn't necessarily mean losing health insurance, too.

A more affordable alternative is individual health insurance. Applicants who are relatively healthy can find quality health care coverage for a lot less than the cost of COBRA.

Free Information About Home And Auto Insurance!

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One of the nice things that I like about my job is the fact that I was able to start with the company at a young age. The other thing that I enjoy is being in on the ground floor when auto insurance rates change. People use many methods of trying to get auto insurance rates, they either call into the office or email or wait for a response or some like to chat on the internet with an agent. This is where I come in. I get to answer the emails and conduct the live chats which are fun to do. Some of the questions that people ask are interesting about coverage. Are animals covered if they are in the vehicle when hit by another vehicle? Do your rates increase after your first, second, or third car accident? How old do you have to be to apply for auto insurance on your own? Do you give free auto insurance rate quotes or is there a charge. These questions show me that there are many new drivers that need this information and I suggested that we could put some of the answers under the frequently asked questions (FAQ) section of the webpage for our insurance company. So now if a question is asked more than five times it will go under that category. This is a quality improvement process. This makes me feel good and helps the customer. A customer should never feel embarrassed about asking a question about auto insurance. They should know and understand what type of benefits and coverage they will be getting if they purchase a policy for their vehicle. In the same fashion they should know if they have a deductible and what is expected from them if they have an accident. The first thing that should be discussed with the customer after they select their policy and deci9de to purchase it is when the premiums are due in case they do not get their first bill in time or it gets sent to the wrong address. We should not assume everyone knows these things. Besides it provides complete customer service for your auto insurance company.