What happens to me if I drive without auto insurance?
If you are involved in an auto accident or stopped by a police officer and found to be driving without car insurance or proof of financial responsibility, you will be subject to penalties specific to the laws of your state. For violation of the financial responsibility law, those penalties could include a fine or loss of driving privileges. If you are uninsured and in an accident that involves property damage or injuries to people, you will be required to pay out of-pocket for any damages assessed by a court.

Does car insurance remove the worry of a lawsuit?
Though it helps, having car insurance does not stop anyone from suing you. It does provide the assurance that, if you are sued as the result of an automobile accident, the financial and legal resources of the insurance company will assist you in defending against the suit and paying any resulting damages.

What does property damage cover?
The property damage portion of a homeowner's policy covers loss or damage to the home and other structures on the property. In the event of a total loss, the amount paid depends upon the dwelling policy limit of the insurance contract as well as the type of coverage provided under the contract.

Does the personal property coverage include my dog rover or my parakeet tweety?
No, the damage Rover and Tweety do to your personal belongings is your responsibility (or theirs, if you can talk them into it). Your homeowner’s policy will usually cover the damage Rover does to other people, however. But if Rover is, say, a pit bull, you should check your policy. Some insurers exclude coverage for potentially dangerous breeds.

My coin collection, Jewelry, Furs, Guns, Monet painting and other expensive stuff… aren’t they covered under my regular home policy?
Yes, but most home policies place specific dollar limits on coverages for cash, securities, coin collections, jewelry, furs, guns, silverware, antiques, and art. Make certain you check your policy to determine if there are special limitations for certain kinds of personal property. Check what the categories are, and the special limit for each category. If your personal property falls into a listed, limited coverage category and is worth more, you can increase coverage by adding a "rider" to the policy. Insurance policy riders are available at nominal cost.