This is a very common question posed to insurance agents and for good reason. Relative to the cost of the other auto insurance coverages found on most personal auto policies Collision coverage can be expensive.

The only bad part about the summer road-trip is that everyone (and their mother) is also taking a road-trip. And though individually everyone is a Great Driver (wink) as a mass of thousands screaming down the New York Thruway at 75 mph, you are all Accident Machines…

Because in the event of a serious accident (god forbid any of you ever have one… seriously) your deductible is the LEAST important feature of your Auto policy.

In New York State your Personal Injury Protection (PIP) coverage pays for medical expenses and lost wages from a car accident for every person in your car.

Because in the event of a serious accident (god forbid any of you ever have one… seriously) your deductible is the LEAST important feature of your Auto policy.

If your driving causes death or injury to your spouse and they sue you a Standard insurance policy does NOT provide coverage for either the Defense Cost or Award.

Domestic Partners would be wise to understand the insurance concerns associated with their living situation. Both Gay and Straight domestic partners must realize that common insurance laws and practices were set up for the “Traditional Family Relationship.”

So if you can’t prevent the worst from happening, how do you protect your family if it does?

Personally, I congratulate Gov. Paterson for making a strong decision to not penalize drivers who choose not to drink!

The “Green” Movement bandwagon grows everyday and it seems that now is the Insurance industry’s time to hop on. In a recent posting by Gregory Boop, from About.com Business Insurance, Fireman’s Fund Insurance has announced that they will be the first commercial Auto insurance carrier to offer “Green-Guard” protection.