Personal Injury Protection provides coverage for insured, insured's relatives, and any passengers in insured's car, regardless of who was at fault. Medical and rehabiliation expenses are some of the benefits of PIP. Based on the plan, you can get even $100,000 for PIP expense.

When uninsured or underinsured motorists are at fault, this coverage covers for the insured's bodily injuries.

This is the amount paid by the insured before the insurance agency will pay benefits.

This coverage helps to protect the insured's car from an accident other those those covered by collission. Theft, fire accident, natural disaster are some of the examples where the insurance agency would pay benefits after the insured pays the deductible amount.

If this insured has taken a deductible amount of $1000, and if some damage happens to car, then the insured has to pay $1000 and the remaining amount would be paid by the insurance agency.

This coverage helps to protect the insured during an accident. If this insured has taken a deductible amount of $1000, and if insured is at fault in an accident, then the insured has to pay $1000 and the remaining amount would be paid by the insurance agency.

Whenever the coverage is good, the insured has to spend more money from his own pocket. In most of the cities in US, for around $100 per month, the insured can get good coverage. In some cities like New York, auto insurance would be costlier and may range upto $200 per month also.

Apart from these coverages, auto insurance agencies provide rental insurance(when you use rental cars, you can use the current insurance), towing(if car is disabled then auto insurance agencies will tow the car to your place) etc.

Before applying for auto insurance, it is better to shop around and compare the product coverages that we have mentioned above with several auto insurance agencies.

In case of an accident, immediately call you insurance agency and tell them what has happened. If you are in trouble, approach an accident attornery to get more advice.

Let you be crisp and clear and do not be talkative in the accident spot.

If possible, try to get the TAG number of the car, and other person's name, insurance agency name and note it down.

Do not drive recklesslly or under influence and do not allow unauthorized persons to drive your vehicle.

Call 911 or cops in case of any emergency and they would be there to help you.

What is an Auto Insurance?      Health Insurance