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Simply explained, the medical payments coverage will pay the medical expenses or funeral bills of the insured or the insured’s live in relatives up to the limits of the selected coverage—from $5,000 to $100,000 per person. The insured and the insured’s live in relatives are covered while driving or being driven in the car; the insured would be covered if struck by a vehicle as a pedestrian or as a bicyclist. We definitely recommend that you purchase the maximum coverage that’s available in your state because the extra cost would only amount to $60 10 a year.

If you live in a no-fault state, you could be covered from a minimum of $5,000 to a maximum of $100,000, which, again, would only cost a few extra dollars a year. In simple language, no-fault was created to reduce the number of bodily injury lawsuits that were cluttering the courts years ago and was instituted to accelerate the payment of bodily injury claims regardless of who was at fault.

Essentially, no fault provides the same benefits as medical payments coverage, and also provides compensation for lost wages—from 75 to 100 percent of one’s weekly salary up to $200 a week for a maximum of 52 weeks; compensation for additional household chores and services paying up to $25 a day, but for no longer than 365 days, and a survivor’s income benefit paying up to $2,000 as a result of any insured’s death in an auto accident. Receive the general auto insurance quote online. It’s simple, fast, and easy.

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In most cases, the preceding coverages follow the insured’s car, which would be covered while being driven anywhere in the United States, Canada, or any of their provinces or possessions. It’s important to note that if American drivers took their cars with them while vacationing in Mexico, South America, Europe, or the Far East, their insurance would cease to apply in those foreign areas and they would have to purchase the car insurance of those countries which, in fact, is very similar to our own. All of this can be easily avoided if you rent a car while vacationing in foreign countries. You would obtain essentially the same coverage and protection we receive on rentals in the States.

Note that if you drive a borrowed car, a rented car, or a company car, the insurance on those vehicles acts as primary coverage while your individual policy would give you secondary coverage where and if needed.

For those who had the wisdom to choose the highest levels of coverage on all of their personal liability type policies auto 100/300/50, homeowner’s or renter’s $100,000, and aircraft or boat 100/300/50, etc. they can now more adequately protect themselves from today’s extravagant judgments with an umbrella policy, which gives an additional $1 million of protection.

For example, if someone slipped on a banana peel while strolling on your sidewalk and was injured and awarded $500,000, your homeowner’s policy would pay the first $100,000 while the umbrella policy would pay the remaining $400,000 and literally save the day. Find affordable general auto insurance quotes with our help at!

Insurance companies require their prospective umbrella liability policyholders to carry the highest limits of personal liability either with the company that offers this type of coverage or with some other insurance company. In most cases, definite proof is required, such as the submission of your other policy’s declaration pages (Dec Pages), or some other written proof or statement from the client or insurance representative.

Since the premium for this miracle personal liability umbrella policy is only about $90 a year, we not only recommend it, but urge you to call your agent/broker so that you can take advantage of it today.

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