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About 25 million auto accidents occur in the United States each year. Approximately 5 million people are injured in these accidents; some 50,000 are killed. Auto insurance of course cannot reduce the deaths, the injuries, or the damages, and it does offer protection against the financial risks of auto ownership and operation.(1)____
The principle decisions to be made by auto insurance buyers are what coverage to buy, what amounts of insurance to buy, and what agent and company to buy.(2)____(3)____
Auto liability coverage is essential. No one should drive a car without protection against the potential high cost of lawsuits.(4)____ In some U.S. states liability insurance is required by law. Because of the size of lawsuits cannot be predicted, there is no way to know in advancement how much protection will be needed.(5)____(6)____ In deciding upon the amount, consumers should realize that the extra cost of high limits is relatively small. Double the cost of the limits, for example, does not double the cost of the protection.(7)____ Agents should be asked the cost of several different limits for the buyer to choose among. Reasonably high amounts of liability protection should be a high priority objective.
Medical payments coverage is less important than liability protection. It is most important in the states with strong and effective auto no-fault laws; there the mandatory PIP (Personal Injury Protection) provides sufficient coverage for medical expenses.(8)____ Medical payments insurance is also necessary for people who has adequate health insurance protection.(9)____(10)____ The minimum amount of medical payments insurance in the United States is $500 per person. If the protection is needed, higher amounts should be purchased.
