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ok well my history teacher used to be a isurance claimer guy, and he told if you get into a accident with a inunsured driver your insuracne might go up. You have to a ununsured driver insurance just in case so that the insurance company can pay you for your damages without raising your insuranc. Now that i have that off my chest here is the answer.

http://www.independenta gent.com/TC/Consumer/Auto/auto insurance101.htm#What_are_the_ different_types_of_policies_an d_what_do_they_cover_

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Auto Insurance 101

When the first U.S. automobile insurance policy was purchased in 1898, there were barely 100 cars nationally. Horses and carriages ruled the roads and the main concern for both insurers and auto drivers was any injury those noisy new machines might do to horses.

Today, auto insurance is the most widely purchased of all property-casualty insurance, yet few drivers are familiar with the details of their particular policy.

Though this guide does not represent the provisions of any particular policy, it should serve as a starting point on your road to finding the best policy for your needs.

Auto Insurance 101 Questions and Answers

* Why do I need auto insurance?
* What are the different types of policies and what do they cover?
* Why and how are policies priced for different drivers?
* How does where I live affect my premium?
* Why are rates different for different cars, even if the cars cost the same?
* What is "no-fault" insurance?
* Do all states require some kind of liability insurance?
* What happens if I have an accident with an uninsured driver?
* Why would my insurer cancel my policy?
* What do I do if my insurer cancels or refuses to renew my policy?
* How do I keep my insurance company from canceling my policy?
* What steps can I take to reduce my rates?
* How does adding drivers to my policy affect my rates?
* Who's watching the insurance companies?
* Do I always need to buy insurance when I rent a car? Am I not covered by my own policy?
* What happens when I loan my car to someone? Is that person covered by my policy? Am I still covered?
* Am I covered for natural disasters or "Acts of God?"
* What should I make sure my policy includes? Do I really need to read all the fine print?
* How can I challenge my insurers if they refuse to cover a claim?
* What actually happens when I report an accident?
* Do I need special insurance for a classic car?
* Under what circumstance do I not need certain types of auto insurance?

Why do I need auto insurance?

Your car is likely one of the most expensive things you own. Insurance protects your investment and guarantees you a way of coping with the expense of accidents, vandalism or theft. It also secures your financial responsibility to the institution lending you money to buy your vehicle.

When you drive you are responsible for the safety of your passengers, your fellow drivers, other people's property, pedestrians and yourself. Insurance helps ensure your ability to cover the costs of potential damages or injuries.

You are also required to be financially responsible by state laws, which are best satisfied through your insurance coverage. In most states insurance is a prerequisite to registering your car. So if you want to drive your own vehicle, you must be insured.

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What are the different types of policies and what do they cover?

Bryan(people look like cones to me) Ricci

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