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Auto Insurance
This coverage has two parts. The first is the liability
section of the policy. It covers your financial responsibility for
injuring others and some coverage is required by most states.
The second part covers the car itself: comprehensive coverage reimburses losses
from fire, theft or other perils; collision coverage pays to repair losses caused
by an accident. Often this coverage is mandated by leasing companies or banks.
There are also ancillary medical, car rental and other coverages which vary by
state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums.
If you carry umbrella insurance, you must be sure that you carry the required
amount of basic liability insurance to avoid a gap in coverage for a serious
accident.
Forget about being required to have auto insurance, there are more reasons to have than not to have protection. Statistics show:
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There were 35 million motor vehicle accidents in 1996.*
Of those 35 million accidents, over 6.1 million involved injuries; 43,300 resulted in death.* -
The total cost of these accidents was approximately $120.8 billion.*
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The estimated average cost of an accident with minor injuries is $13,900. An accident involving serious injuries or a fatality can cost $790,000.** or more.
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The average cost of property damage in an accident is $6,000.
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You have a 29% chance of being injured in an automobile accident.
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There are approximately 176.6 million licensed drivers in the U.S.
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The average U.S. household has 1.77 cars.
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Of the 197,941,202 registered private passenger cars in the U.S., only approximately 149,742,000 are insured, approximately 24% are uninsured.
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A car is stolen or broken into every 19 seconds.
**National Highway Traffic Safety Administration
