What Does a "Minimum Auto Insurance Requirement" Really Mean?

State government understands that uninsured drivers are just going to lead to a mess for the court system sooner or later. That's why every state has a minimum auto insurance requirement for all of its licensed drivers that has to be met before they're "allowed" to be out on the highways. But what does that requirement really mean? And what's local law enforcement going to do if you just don't have it?

As previously stated, a minimum auto insurance requirement is the minimum amount of insurance your state requires you to carry before you will be considered "insured". This minimum insurance requirement is usually stated in a/b/c terms (for example, 15/30/5). "a" represents the amount of bodily injury liability insurance you're required to have per person if you're in an accident. "b" is the amount of bodily injury liability insurance you have to have per accident, and "c" is the amount of property damage liability you have to have per accident.

If you're not familiar with those terms, liability auto insurance is the insurance that's going to take care of everyone else's expenses when you cause an accident (i.e. it picks up the tab for the car you hit). By establishing this minimum auto insurance requirement the state is making sure that their drivers are protected if they're ever in an accident and minimizing the amount of time drivers spend in court trying to pull a settlement out of an uninsured driver. That's a process that can drag on for years, especially with the cost of auto repair and medical care these days!

Bear in mind that having a minimum auto insurance requirement is kind of like saying you only have to have a shirt and shoes to walk into an establishment. You're going to want a little more than that! Minimum insurance requirements aren't going to do you a lot of good if you cause a ten car pile-up on I-95 that results in hundreds of thousands of dollars, and auto insurance companies know that. That's why they keep a list of state minimum requirements, but they're almost always going to recommend that you purchase more than that. Most experts recommend that you carry a minimum of $100,000 per person and $300,000 per accident in bodily injury liability and a minimum of $50,000 in property damage liability.

If you're caught driving without insurance, or the police investigate your coverage and realize that you are underinsured, you could be facing some pretty stiff consequences. You're definitely going to be paying some fines. How stiff they're going to be is going to depend on which state you live in. You also may lose your license and/or spend up to five years in jail. Any way you want to look at it, it's not going to be a good thing!

To break it down, what does minimum auto insurance requirement really mean? Your minimum auto insurance is the bare minimum of insurance coverage you need to get you by. It's a starting point, and smart and savvy insurance shoppers will treat it as such and keep their levels up higher where they can really keep them protected out on the highway.

By Michael F. McDonough

Cheap Basic Auto Insurance Coverage

If you drive a car you need, you are at the risk of having an accident, especially if you live in a high traffic city, that is why auto insurance coverage is necessary. Every state requires you to have at least the basic auto insurance coverage limits.

You have to check what is the minimum coverage required in your state and limits. If you get just the basic auto insurance coverage, you will pay lower rates than someone that buy full coverage or comprehensive coverage, but be aware that it may not be your best option.

The rates that you are going to pay depend on your personal record and vehicle details, but the amount of coverage you want is also very important to determine the price you will have to pay.

But there is a risk with getting just the cheap basic auto insurance coverage, the basic insurance is usually liability which only covers the damage that you make to other peoples properties and injuries you cause. But liability does not cover your own car damage and your medical expenses.

Also is highly recommended to increase your liability limits, if you have only $10,000 dollars limit in liability bodily injury it may not be enough to cover the medical expenses of the person you injured. Just a few days in the hospital can cost several thousand dollars.

What you can do is compare auto insurance quotes online and then decide what company you want to buy insurance from. Is important that you also choose a company that is reliable, has good customer service and financial stability.

By Ray Rubio

What is Full Coverage Auto Insurance?

If you want to buy auto insurance you need to know what are the different kinds of coverage that are available and choose the one that best fits your needs and budget. Full coverage auto insurance is a typical way to say that you want to be completely covered with comprehensive and collision coverage.

However full coverage means different things to people, the type of coverage available are liability, personal Injury Protection, Property Damage, Uninsured motorist, collision and comprehensive coverage.

For instance if you buy a car with a loan and the financial company asks for full coverage they mean that you need to have the basic necessary coverage in your state plus comprehensive coverage that will protect your car from any damage when it is not in motion.

However for some auto insurance companies, when you talk about full coverage they understand that you want all the minimum necessary coverage that your state requires you to have.

So full coverage is not really a term that professionals use, because it doesn't have a strict definition, is just commonly used. Instead you should tel you insurance company the kind of coverage that you want and its limits.

Is important that you compare quotes from different companies and ask for special discounts that you may be able to qualify for. For example if you are under 25 years old you should ask for a student discount if you have 3.0 gpa.

You can also reduce your rates if you have a good driving record, not tickets and a good credit score.

But the most important thing is that you buy the right insurance policy and be fully covered from any damage or injuries that you may have to pay for in case of an accident.

By Ray Rubio

Getting to Know the Basics of Auto Insurance

For far too many people, auto insurance seems like an option, and not really a necessity. For someone who has a car, though, then auto insurance really is a necessity to making you feel more comfortable, safe and protected in regards to your vehicle. For many states, auto insurance is compulsory and necessary in order to even have a car and register it with the area they live in. Why? Very simply, it is because having auto insurance protects the other drivers when or if there is an accident. Until you realize that you have been in a car accident and suddenly are paying thousands of dollars out of pocket, you don't realize that having auto insurance is truly a blessing. So let's take a look at the different kinds of car insurance that you can have as a possibility.

Of the different types of auto insurance that you can have at your disposal, the most common is liability insurance. This particular kind of auto insurance is the most basic, as it will only cover you in the event that you are responsible for an accident and need to pay the other party for damage that you inflicted. For many parts of the United States, it is absolutely necessary that you at least have liability auto insurance in order to operate your vehicle. Other varying kinds of insurance actually cover the accidents and other issues, such as towing, car rentals and even any injuries that might be incurred during an accident. Whenever you choose different policies, just be aware that the costs will be fairly high for a premium, but it is far more affordable than dealing with fines you accrue from not having auto insurance and then getting into an accident.

Depending on what model vehicle you have and what kind of driver you have been, you will see fluctuations in your car insurance policy. For example, if you are a young teenage male who owns a cherry red sports car and has several speeding tickets, you can expect that your insurance will be more expensive per month than an older woman who is over 25 and who has had no tickets and a good driving record. And where do you live? Is your car going to be parked on the street or will it be in a garage? Depending on what area of town you live in and where your car will be, you could see yourself with a larger premium. After all, if theft in your neighborhood is fairly high, then you will need extra security to make sure that you can get money to help you get your car back.

If you come from an area of safe drivers and low crime, then you can expect you will have a lower premium than those who wind up living in areas of high crime. There are several different factors that will go into what your insurance will cost, but just make sure that when you look for your auto insurance that it fits your needs and it will always be a smart investment.

By Christopher J

Answering Your Questions About Your Auto Insurance Carrier

When you go shopping around for an auto insurance policy you're looking for two things-a great coverage policy and a great deal. That doesn't mean dollars and cents is all you should be worried about though! You want to make sure you've got an auto insurance provider that's going to stand behind you before you start handing over hundreds of dollars every month in premiums. You've got questions, and you need to know where to go for answers.

The best place to start is with your auto insurance company. When you call to ask questions do the customer service representatives seem knowledgeable, or do they leave you feeling like you've been blown off? Do the agents know what they're talking about, or is "Ummm" the most frequently heard word in the conversation? The way you're treated by the customer service agents you work with is a great indicator of how the remainder of your relationship is going to go. A good company will do a good job training its agents. A poor one throws their employees to the wolves.

Of course, gut feelings can and should be backed up by fact. You can contact J.P. Morgan and Associates via their website to see how your insurance company checked out in the last annual study. This company polls thousands of drivers every year to find out how they like their insurance coverage, how they're treated by their agents and how inclusive their policies are. They then post this information in their annual national study results for consumers to see.

Awards and recognitions for outstanding achievement are also included in this study.

Finally, let's talk about the most reliable source of information-word of mouth. What better way to recognize when a company is going to give you the coverage you need than to talk to the people they already insure? There are hundreds of consumer review sites out on the web where auto insurance companies are evaluated and consumers have the chance to give their honest opinion. Have you ever known anyone not to be brutally honest when a company isn't holding up to their end of the bargain?

Absolutely not.

Bear in mind that you need to take every review of your auto insurance carrier you read with a grain of salt. It's impossible to make all of the people happy all of the time. Your insurer could be the best service provider in the country and there would still be a handful of drivers that aren't happy with their service. Companies are always going to have a couple of people with complaints. It's important to think of these things relatively.

That said, any auto insurance provider that has a significantly greater proportion of complaints to compliments probably isn't going to be your best choice when it comes to a reliable, dependable and high quality auto insurance carrier.

By Michael F. McDonough

Peugeot Sport Cars 20Cup Concept

Peugeot Sport Cars 20Cup Concept

In 2006 World Car manufacturer Peugeot has successfully excluded Products new concept car, the car with the name Peugeot Sport Cars 20Cup Concept. Verily Car Interior and Exterior Design luxury very firmly attached to the Peugeot 20Cup Concept Car. Color Black Fitted tightly Exterior Design Peugeot Sport Cars 20Cup Concept, makes it look luxury car Peugeot. Unique design looks seen on the car is, like the rear wheel Cars there only 2, and can only be driven by a maximum of 2 people, this makes Peugeot Sport Cars 20Cup Concept looks unique and cool when we use the road.

Peugeot Sport Cars 20Cup Concept

Engine From Peugeot Sport Cars 20Cup Concept is also not inferior to Peugeot 20Cup Concept Car design itself, Going with high speed and sleek design is suitable be used as the motto of this Concept Car Peugeot 20Cup. For car lovers the world must be very interested and anxious to have the car Peugeot Sport Cars 20Cup Concept. expression of a new alignment of Peugeot Sport 20Cup is an innovative concept, so funny “dynamic synthesis and to propose an elegant both worlds – design a car in front of and behind the wheel of one wheel. Imprest stylistic characteristics of a future model through the front aspect, inform Peugeot Sport Cars 20Cup Concept style that is painful and the cats.

Peugeot Sport Cars 20Cup Concept

The Peugeot Sport Cars 20Cup Concept was designed by Peugeot to promote the new turbocharged 1.6 Petrol engine that is to feature in the fastest versions of the recently introduced 207 production car. The engine was a joint development between the brand and BMW, who will also use the engine in the top spec Mini Cooper S.

Peugeot Sport Cars 20Cup Concept

The 20Cup, in a more conventional form but drawing much of its inspiration from the Frankfurt concept car, will give Peugeot the basis for the development of a presence on the racing circuit. Prefiguring the stylistic characteristics of a future model through its front aspect, the Peugeot Sport Cars 20Cup Concept announces a Peugeot style that is even more incisive and feline. Radical by dint of its low ride height and engineering solutions taken from the world of motor sport, this concept car is built around a one-piece carbon chassis incorporating a separate two-seater cockpit located at road level.

Peugeot Sport Cars 20Cup Concept

The Peugeot Sport Cars 20Cup Concept was designed highlight the sporty nature of the Peugeot brand and draw references between the production car derived styling of the front end and the rest of the car which has racing pretensions, with a carbon fibre chassis based around the 2 seater cockpit and a single rear wheel held by a motorcycle style swinging arm. This design should mean that the front end grip of the tyres far exceeded the rear, allowing the car to develop oversteer which is considered more the preserve of rear engined cars.