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Auto insurance is at its heart financial protection. You purchase insurance in order to prevent paying thousands of dollars in the event of a collision or other loss. Many different types of insurance are available, covering almost every conceivable means of loss or damage to your vehicle as well as others to which you may cause damage. Very few drivers need to purchase every single type of insurance, so it is helpful to understand each type in order to decide which ones you require.

Property Damage
Depending on jurisdiction, property damage insurance may also be called liability insurance or similar. This insurance covers damage that your vehicle may cause to someone else s vehicle. Each state sets its own minimum requirement for how much property damage insurance you must carry, but the state minimum may not be enough in the event of an accident. If you cause damage that exceeds the limits of your insurance you may be sued for the difference. Always purchase as much property damage insuranc (more...)

Maybe it took the State of The Union address from President
Bush to bring the concept of Health Savings Accounts out
into the open for all to see. Whatever the case, this is an
idea and reality that is long overdue and a great solution
to health insurance for many people. Health savings
accounts, coupled with a companion low-cost high-deductible
health care insurance plan, will take the bite out of
monthly health care costs for many consumers, and provide a
powerful savings component at the same time. Let s look at
the details.

While Congress passed the legislation creating Health
Savings Accounts in 2003, it has taken a while for the word
to get out. In a nutshell, the deal is as follows: Health
savings accounts are tax-free savings accounts, which are
necessarily paired with a high-deductible insurance policy
for catastrophic medical expenses. You are able to put as
much as $5150 (family) or $2600 (individua (more...)