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Auto Insurance 101By Chris Tolamalu
Auto insurance, as the term suggests, is insurance that you can purchase for your vehicle (cars, trucks, SUVs, motorcycles, etc.). It provides protection against losses incurred as a result of vehicle accidents. While the product seems simple, there are many different types of auto insurance policies available for purchase. Depending on the policy that you choose, your coverage levels and types will vary. Broadly speaking, these are the types of auto insurance programs on the market today:
Coverage:
• ‘Comprehensive coverage’ (Comp) – This kind of insurance insures your vehicle against the cost of purchasing a new vehicle if it is stolen or destroyed in a fire.
• ‘Collision coverage’ (Coll) – This kind of insurance insures your vehicle against the cost of repairing the vehicle following an accident or the cost of purchasing a new vehicle if it is damaged in an accident beyond economic repair.
Protection:
• Personal Injury Protection (PIP) - This insures against the cost of medical expenses and lost wages related to the use, ownership or maintenance of a motor vehicle. This insurance is mandatory in some U.S. states.
• Medical Payments (MP) - insures against the cost of medical expenses for bodily injury sustained in an accident beyond any expenses that may be covered by PIP.
• Legal liability claims against the driver or owner of the vehicle following the vehicle causing damage or injury to a third party.
While ‘Liability insurance’ covers only legal liability, ‘comprehensive insurance’ covers PIP, MP, as well as legal liability. In the United States, liability insurance covers claims against the policyholder and any other operator of the insured’s vehicle. If, however, any other operators live at the same address, they must specifically be covered on the policy. For rented vehicles, most rental car companies offer insurance to cover damage to the rental vehicle.
While comprehensive insurance covers most aspects of damage which can affect the car itself or the driver, there is one risk associated with buying a new car is not covered even by comprehensive insurance – once the car is bought, there is a sharp decline in its value. During this period (immediately after a car is bought), in which the remaining car payments exceed the value of the vehicle and thus the compensation the insurer will pay for a ‘totaled’ (destroyed, or written-off) vehicle, customers may consider purchasing ‘GAP insurance’. GAP insurance was established in the early 1980's to provide protection to consumers based on buying and market trends.
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American Express Ranks Highest in Customer Satisfaction among Credit Card Companies for the Second Consecutive Year (Centre Daily Times)
American Express ranks highest in customer satisfaction among credit card issuers, according to the second annual nationwide study by J.D. Power and Associates. The study, which was released earlier today, ranks American Express highest in overall satisfaction among 18 of the largest card issuers in the U.S.
J.D. Power and Associates Reports: American Express Ranks Highest in Credit Card Customer Satisfaction for a Second ... (PR Newswire via Yahoo! Finance)
American Express ranks highest in overall customer satisfaction with credit card issuers for a second consecutive year, according to the J.D. Power and Associates 2008 Credit Card Satisfaction Study released today.
Jo Ellis: 'Cowboys and Indians' en route (The Joplin Globe)
CARTHAGE, Mo. ? Have you ever wondered how many millions of American Indians have walked these Ozark foothills where we now live?
Local Briefs (The Joplin Globe)
NEVADA, Mo. ? Rain forced cancellation of Saturday night?s Season Championships stock car racing program at the Nevada Speedway. The revised schedule, with the special Midwest Late Model Racing Association visit scheduled this week, has the Season Championships show reset for Sept. 20.
Briefly in Tompkins (The Ithaca Journal)
Phil Shapiro will hold eight one-hour group folk guitar lessons Monday evenings starting Sept. 8 in the International Lounge of Willard Straight Hall at Cornell University. Registration is at the first lesson. Bring your own guitar.
12:28 p.m. Obama visiting KC American Airlines facility (The Joplin Globe)
WASHINGTON (AP) ? Democratic presidential hopeful Barack Obama is coming to Kansas City for a town hall meeting at an airline facility that may slash hundreds of jobs.
Barnes & Noble exec aids Katrina victims (New Orleans Times-Picayune)
David Briant has been sleeping on a couch for three years. He craves a real bed, and what it would symbolize: an end to the itinerant life he has led since Hurricane Katrina destroyed his tidy blue home in Gentilly.
Calendar (Greensboro News & Record)
FundRAISERS Ongoing Southern Triad Missions needs new appliances, clothing and household items for families in need. Make checks payable to Southern Triad Missions and mail to P.O. Box 1906, High Point, NC 27261-1906. 888-6091. The ACES office at Brooks Global Studies is collecting aluminum tabs as a service project for the Ronald McDonald House Charities. Mail or bring tabs to ...
Aquarium visitors go face to face with sharks (The Joplin Globe)
The shark was ten feet in length and only inches away. Now if I were wading the saltwater flats with a fly rod this would prompt me to return to shore ? quickly. However, Karen and I were standing in a glass tube in the shark tank at the Oklahoma Aquarium in Jenks, Okla.
Opening of feed store hailed as symbol of spirit of area (The Joplin Globe)
With the memories of May?s deadly and destructive tornado still all too fresh, people gathered Saturday morning to celebrate the opening of the new Lant?s Feed Store in Newton County, a symbol of community and fellowship.
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Jimmie Johnson Wins Chevy Rock and Roll 400, 2008 Chase Field Set
Copyright © 2008 Backstretch Motorsports. All Rights Reserved. If you are not reading this in a news reader, the website you are viewing it on is gu...
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Richmond Races and All Track Activities Postponed Till Sunday
Copyright © 2008 Backstretch Motorsports. All Rights Reserved. If you are not reading this in a news reader, the website you are viewing it on is gu...
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The Speech
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?The American Promise?
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This was one of the most amazing speeches Senator Obama has given. But it is the best speech, because it was done before 38 million p...
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Car accident - someone owes me money, but??? Some kid rear ended me almost a month ago, and he doesn't have insurance. I, however, am fully covered....
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photo credit: Joshua Buck/Times-Call To Chairman Dean and my great friend Dick Durbin; and to all my fellow citizens of this great nation; With pro...
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Barack Obama Accepts the Democratic Nomination for President of the United States
To Chairman Dean and my great friend Dick Durbin; and to all my fellow citizens of this great nation; With profound gratitude and great humility, ...
Community Comment: Obama's Acceptance Speech...
Here is Obama's speech in its entirety: Remarks of Senator Barack Obama "The American Promise" Democratic Convention Thursday, August 28th, 2008 Denv...
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