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Take Our Auto Insurance Quiz 1. Why do insurance companies sell auto liability insurance coverage in a strange way such as 50/100/50? You would be right if you guessed that it significantly reduces their exposure. Here's why: About 75% of all accidents involve one driver in each car. That means that first number is critical. That is the amount of liability coverage you have for one person. So, if you have a typical accident the insurance company's maximum exposure in this example is 50,000 for...

Take Our Auto Insurance Quiz 1. Why do insurance companies sell auto liability insurance coverage in a strange way such as 50/100/50? You would be right if you guessed that it significantly reduces their exposure. Here's why: About 75% of all accidents involve one driver in each car. That means that first number is critical. That is the amount of liability coverage you have for one person. So, if you have a typical accident the insurance company's maximum exposure in this example is 50,000 for that one person's injuries. 2. Why do I need Uninsured Motorist Coverage? Isn't insurance mandatory in most states? Uninsured Motorist and Underinsured Motorist Coverages are among the most important on the policy. About 14 % of all accidents involve a driver with no valid insurance. Now it is your family that suffers, because of their lack of concern or responsibility. Be prepared buy Uninsured Motorists Coverage. 3. If I have Comprehensive Coverage with a $1,000 deductible and a windshield gets broken by a rock flying up from the road way does that mean that I will have to pay for the entire of $300 to replace the windshield myself? If you buy traditional comprehensive coverage the answer is yes. But, replacing auto glass has become much more efficient and replacing a windshield now can be even less than $300. So, here is a tip: Many companies now offer NO deductible coverage, in this example, $ 1,000 for other perils but zero deductible glass.