free car insurance quote, online auto insurance quote, auto insurance quote

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(Free-Press-Release.com) May 11, 2005 -- free car insurance quote, online auto insurance quote, auto insurance quote

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Standard Automobile Insurance
Standard automobile insurance policies are the most important types of coverage you as a driver carry. Make sure you understand these key auto insurance requirements.

This page:

� Explains mandatory auto insurance coverages

� Describes exactly what standard auto insurance covers

� Lists your state's car insurance laws

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Medical payments insurance
This policy provides for the immediate treatment of injuries caused by a car accident. You, your family members and other passengers in your vehicle are covered, regardless of who is at fault for the accident.

Depending on the specifics of the policy, medical payments coverage may also compensate for lost wages or services of a person injured in the car accident.

PIP, or personal injury protection, is similar to medical payments coverage, but usually provides broader coverage. Many PIP policies provide compensation for lost wages, funeral expenses, and pain and suffering.

Most states that require personals injury protection are "no fault" states, but Maryland, Delaware, and Oregon also do. Again, you can find out your state's auto insurance laws and minimums here.

Underinsured and Uninsured Motorist Insurance
Both of these types of insurance protect you against injury caused in an automobile accident where the at-fault driver's liability car insurance coverage is inadequate. Though they're often lumped together, they're really two distinct policies.

Uninsured motorist insurance is needed when the other driver has no liability coverage.

Underinsured motorist coverage pays for the cost of your injuries that exceed the other driver's coverage maximum.

Most states require neither type of coverage, but some require one or the other, and a few even require both. They're more often required in no fault states.

Get up to ten fast free quotes from ComparisonMarket or try Netquote for local agents.
Source: http://www.autoinsuranceindepth.com/