A Consumer's Quick Guide to Auto Insurance
Table of Contents
Introduction to auto insurance...........................................................................1
Coverage requirements and options .................................................................2
Determining coverage needs..............................................................................6
Shopping for auto insurance..............................................................................9
Managing auto insurance costs .......................................................................13
Credit scores and insurance ............................................................................18
Insurance loss history reports .........................................................................19
Insurance claims................................................................................................22
Problems obtaining auto insurance.................................................................26
Insurance complaints and information............................................................28
About Consumer Action....................................................................................29
Credit for this publication .................................................................................30
Introduction to auto insurance
What is auto insurance?
Auto insurance is a legal agreement between you and the insurance company
that in exchange for the premiums you pay the insurance company will pay for
your covered losses (property, liability and medical expenses). The exact terms
of the agreement, including types of losses covered and the amount of the
coverage for each type of loss, is spelled out in your policy documents.
Most states require vehicle owners to have at least some form of auto insurance.
Why should I buy auto insurance?
There are three main reasons why you might need auto insurance:
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