Most often car insurance pays for damage to vehicles, but the biggest risk to you financially is injuring people and not having enough Bodily Injury to Others coverage. You can’t predict an accident happening nor can you predict how many people could be injured. How far would bodily injury protection of $50,000 per person/$100,000 max per accident go if you seriously injured four or more people requiring extended hospital stays and extended rehabilitation? The cost to increase this...

With all the different factors that enter into the automobile insurance purchasing process, it is important for you to be well informed in order to make intelligent decisions. One such decision concerns whether to purchase uninsured motorists (UM) and underinsured motorists (UIM) coverage. UM coverage provides insurance protection for bodily injury, and in some states property damage, caused by a motorist who is not insured.