Who needs auto insurance?

Suppose you have an auto accident and you hurt or kill someone, damage someone else’s property or damage your own car. If you are found legally responsible, Missouri’s Motor Vehicle Financial Responsibility Law requires you to pay for the other person’s injuries and damages. If you can’t pay, you can lose your driving privileges or even risk a criminal conviction and time in jail.

Most Missourians rely on automobile liability insurance to prove they are financially responsible.

Automobile liability insurance protects you from paying a large amount of money at the time of an accident if the accident is your fault and protects the victims against their losses. Besides liability and uninsured motorist insurance, you may also want to consider insuring your car against damages caused by collision, fire, theft, windstorm or hail.

When deciding to buy automobile insurance, or any other insurance, you should ask:

There are many different types of coverages available to meet your auto insurance needs. Some are required and some are optional. Here are brief descriptions of the available coverages:

Liability
Washington state requires liability coverage. This covers bodily injury and damage to property that you cause to others while using your car.

Personal injury protection
This covers a limited amount of medical and hospital costs, income continuation, funeral expenses, and loss of services. Coverage limits are defined in the policy.

Medical payments
This covers medical and funeral expenses (not all companies offer this coverage).

Uninsured/underinsured motorist bodily injury
This covers injuries an uninsured or underinsured driver causes to an insured person.

Uninsured/underinsured motorist property damage
This covers property damage an uninsured or underinsured driver causes to your insured vehicle.

Collision coverage
This covers damage to your car that is caused by a collision.

This guide presents the essential information programmers need to develop efficient applications using the Sun WorkShop™ Fortran compilers, f77 (Fortran 77) and f95 (Fortran 95). It presents issues relating to input/output, program development, use and creation of software libraries, program analysis and debugging, numerical accuracy, porting, performance, optimization, parallelization, and the C/Fortran interface.

This guide is intended for scientists, engineers, and programmers who have a working knowledge of the Fortran language and wish to learn how to use the Sun Fortran compilers effectively. Familiarity with the Solaris operating environment or UNIX® in general is also assumed.

The companion Fortran User’s Guide describes the compile-time environment and command-line options for the Sun WorkShop™ 6 Fortran compilers: f77 (FORTRAN 77) and f95 (Fortran 95).

Other Fortran manuals in this collection include the Fortran Library Reference, and the FORTRAN 77 Language Reference. See “Accessing Related Documentation” on page 6.

What You Need to Know!

This guide is intended to give New Hampshire consumers basic information on auto insurance.

It suggests ways to:

Lower the cost of your auto insurance, shop for Auto insurance and, file an auto insurance claim.

If you have questions or need help after reading this guide, please feel free to contact the New Hampshire Insurance Department at the number and address in the back of this guide.

ABOUT US

The New Hampshire Insurance Department makes sure that insurers doing business in the state are financially sound, insurance is available and appropriately priced, and consumers are treated fairly by doing the following:

• Licensing insurance companies and checking the financial stability of the insurance companies
• Reviewing insurance forms and premium rates to be sure they comply with state law
• Licensing individual insurance producer/agents and brokers as well as insurance agencies

The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured persons, make sure such payments are made promptly, and reduce the proportion of premium dollars paid out for legal and administrative costs.

A Michigan no-fault policy provides unlimited medical and rehabilitation benefits. It provides wage loss benefits for up to three years, and $20 per day for replacement services if you are injured in an auto accident, regardless of fault. In exchange for these benefits, Michigan motorists gave up the right to sue in auto accidents except when someone is killed or very seriously injured. Because of this, disputes over who was at-fault in an accident will not hold up payment of medical bills. Michigan is unique in that damage to vehicles also falls under the no-fault system. This, too, saves time and money in claims payment. Michigan drivers must buy collision and/or comprehensive insurance to cover damage to their own car.

Why Should You Buy Auto Insurance?

If you cause an auto accident, you may be responsible for the losses of the other people involved. A claim may be made or a lawsuit filed against you for those losses. You may have to pay not only for the property damage you cause, but also for the medical expenses, lost wages, and pain and suffering of any injured person. The amount of money you may have to pay could be substantial.

If you don’t have insurance, anything of value that you own, including your home, savings, future wages, and other assets, may be taken to pay for those losses. Auto liability insurance can help protect you so that this doesn’t happen. Liability insurance also pays for an attorney to defend you against any claim or lawsuit that may be payable under the policy.