Understanding Car insurance - What you need to know 101

Описание: Learn auto insurance quickly. Save $$
My background in insurance: Licensed in over 35+ states, I’ve been an insurance agent for 6+ years and am currently in the top 5% sales with the 3rd largest insurance company in the U.S. I have personally helped over 5,000 people buy insurance in auto alone.

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I am going to show you what coverages you should be asking for from your insurance agent.
Most common coverages used:
Starters: BI 25/50 PD 50 UMBI 25/50 UMPD 10 (depending on value of veh) Medical payments 5,000

Middle coverage: BI 50/100 PD 50 or 100 (check price diff) UMBI 50/100 UMPD (value of veh) Medical Payments 5,000.

Average home owner coverage: BI 100/300 PD 100 UMBI 100/300 UMPD (value of veh) Medical Payments 5,000, road service/towing, Rental car (if requested)

If your vehicle is valuable then full coverage: Comprehensive and Collision. I use deductibles of 250(comprehensive) and 500 (collision). If the cost of these coverages are more than what the value of the vehicle is in a 3 year period you may want to evaluate if it’s still worth keeping.

Remember, it’s a risk. How much risk do you want to take?

States with mandatory PIP coverage
• Arkansas
• Delaware
• Florida
• Hawaii
• Kansas
• Kentucky
• Maryland (unless a waiver is signed at initial purchase of the policy)
• Massachusetts
• Michigan
• Minnesota
• New Jersey
• New York
• North Dakota
• Oregon
• Pennsylvania
• Utah
Certain states require insurance companies to offer PIP coverage, but allow the insured to reject it in writing:
• Washington[5] Once you reject the coverage it stays that way until you request it be added or start a new policy.
• Texas

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DISCLAIMER:
Please consult your agent before making any changes you feel you are not knowledgeable with. Due that the laws being different in each state, I am not responsible for any changes or updates that may have occurred after the making of this video.

PIP Source: https://en.wikipedia.org/wiki/Persona...