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Auto Insurance

“I love my baby!” is an expression often used for a brand new vehicle bought for the first time.  The steroid-like rush of owning your very own car, bike or truck is unparalleled.  Therefore it becomes of vital importance that these ‘babies’ are insured immediately.  Just as health insurance is a fact of life, so is auto insurance.  Protection against losses incurred as a result of traffic accidents or other liabilities is expenditure to be avoided.  A scratch along the bumper can be borne but a door flying off because of someone else’s mistake cannot.

In many countries it has become compulsory to have auto insurance as protection against health injuries.  This is particularly true of the United States, Canada and the Australian subcontinent.  The problem arises when the price of coverage increases as a result of other economic restraints.  Coupled with accident coverage and treatment of minor injuries the temptation to enroll for a premium coverage plan increases.  People who save up penny by penny so that they can get their own ride are thrown into debt as a result of insurance laws.  In Canada the spiraling cost of injury claims has insurers hoping for smaller premium increases. 

Auto insurance differs widely, with large vehicles being taxed more than smaller ones.  Companies argue this is done to protect the customer’s interest but victims of accidents argue otherwise.  In case of catastrophic collisions, the insurance provided doesn’t cover all the medical costs of rehabilitation.  Consumers have to pay 10 per cent for $100,000 for medical coverage, though prices may vary.  This inevitably puts more pressure on the average insurer to pay more and more money to get the best insurance plan.  Efforts are being made across the insurance industry to help reduce the burden.

How can reform help benefit the masses?

  • Reform has always been used to benefit the masses at large.  This is the case with the auto insurance as of circa 2010. 
  • Entrepreneurs say that reform will help in the long run, justifying the increase in prices as a business necessity for breaking even because the losses are immense. 
  • A new system of credit scores and other personal information is being used to decrease rates for some, while increasing rates for those who benefitted from discrimination. 


A sense of fair play seems to have pervaded the scene.  Legalization of vehicle insurance may push uninsured drivers off the roads or force them into buying coverage. As a layman it may be difficult for you to understand certain technical jargons when it comes to auto insurance. It is better to understand all this with the help of skilled professionals who can help you. Auto insurance is important and you just can’t escape without getting one in case you want to own a vehicle. There are many websites that can help you understand what it is and how to go about getting your auto insurance. You can go through various reviews and understand more about the Auto Insurance Quotes.