OAI: GM Auto Insurance Offer Highlights Minimum Coverage Issue

Washington drivers may want to consider the extra cost of getting covered beyond the state-required minimums.

2011-07-12

RANCHO CUCAMONGA, CA, July 12, 2011 (Press-News.org) General Motors recently announced that it would be teaming up with coverage provider MetLife to offer car insurance with no down payment and no payments for the entire first year following the purchase of certain GM models in Oregon and Washington.

What's surprising about the financial protection provided for free through the offer is that it far exceeds the requirements set by law in the two states.

Washington currently requires drivers to only carry $25,000 in bodily injury liability protection per person and $50,000 total per accident, along with $10,000 in property damage liability per accident. (This is commonly denoted as 25/50/10.)

Source: http://www.insurance.wa.gov/consumers/auto/auto-getting-started.shtml

But the insurance provided through the MetLife-GM deal comes with 100/300/50 -- more than five times the total liability protection required by law in the state -- along with PIP, uninsured motorist, collision and comprehensive protections.

The difference highlights the relatively low legal standards for auto financial protection in Washington and the majority of other states.

The Insurance Information Institute has reported the general industry consensus is that drivers should carry 100/300 bodily injury liability in order to completely protect their assets. Yet no state in the nation requires drivers to have such levels of coverage.

Twenty-seven states currently require drivers to carry 25/50 bodily injury coverage, and only eight states have minimums that are higher than that. On average, states require drivers to have $88,529 in total liability coverage per accident.

Washington drivers should consider this when they go to purchase a policy.

Though buying the minimums may lead to a price break, the policyholder could end up having to pay out of pocket if he or she causes a serious accident resulting in damages that exceed the minimums. Washingtonians may want to speak with their insurers or agents about the extra costs of bumping up their coverage levels.

To learn more about finding an insurance policy with low start-up costs, readers can go to http://www.onlineautoinsurance.com/pay-monthly/ where they will find informative resources and a quote-comparison generator that can help them quickly track down the lowest rates.

ELSE PRESS RELEASES FROM THIS DATE:

Providers Prefer Interface Engine Solutions that Deliver High-performance Interoperability for Seamless Data Flow

2011-07-12

The ever-expanding number of technology applications, combined with meaningful use and other initiatives, results in the increasing demand for application interoperability in healthcare organizations. This in turn places greater pressure and incentive on those organizations to find better and easier ways to facilitate interfacing. Providers want all the horsepower of a robust, scalable, and flexible interface engine (IE) wrapped up in an easy-to-use package. KLAS' new report entitled "Interface Engines: Beyond Interoperability" scrutinizes vendor performance, ...

Genetic study sheds new light on auto-immune arthritis

2011-07-12

The team of researchers from the Universities of Bristol, Queensland (Australia), Oxford, Texas and Toronto, used a technique called genome-wide association where millions of genetic markers are measured in thousands of people that have the disease and thousands of healthy individuals. Markers which are more frequent in individuals with the disease are more likely to be involved in the condition. Using this approach the investigators found an additional seven genes likely to be involved in the condition, bringing the total number of genes known to predispose to AS ...

Unlocking the genetics and biology of ankylosing spondylitis

2011-07-12

A study involving over 5,000 people living with the joint disorder ankylosing spondylitis has identified a series of genetic variants associated with increased susceptibility to the condition as well as providing new clues to how the condition may be treated in the future. The study, a collaboration between the Australo-Anglo-American Spondyloarthritis Consortium and the Wellcome Trust Case Control Consortium, also provides one of the first confirmed examples of gene-gene interaction seen in humans. Ankylosing spondylitis is an autoimmune disease that affects as many ...

Light propagation controlled in photonic chips -- major breakthrough in telecommunications field

2011-07-12

New York, NY — July 10, 2011 — Researchers at Columbia Engineering School have built optical nanostructures that enable them to engineer the index of refraction and fully control light dispersion. They have shown that it is possible for light (electromagnetic waves) to propagate from point A to point B without accumulating any phase, spreading through the artificial medium as if the medium is completely missing in space. This is the first time simultaneous phase and zero-index observations have been made on the chip-scale and at the infrared wavelength. The study, to ...

U of T researchers build an antenna for light

2011-07-12

TORONTO, ON – University of Toronto researchers have derived inspiration from the photosynthetic apparatus in plants to engineer a new generation of nanomaterials that control and direct the energy absorbed from light. Their findings are reported in a forthcoming issue of Nature Nanotechnology, which will be released on July 10, 2011. The U of T researchers, led by Professors Shana Kelley and Ted Sargent, report the construction of what they term "artificial molecules." "Nanotechnologists have for many years been captivated by quantum dots – particles of semiconductor ...

Quick test can predict immune responses to flu shots

2011-07-12

Researchers at the Emory Vaccine Center have developed a method for predicting whether someone will produce high levels of antibodies against a flu shot a few days after vaccination. After scanning the extent to which carefully selected genes are turned on in white blood cells, the researchers can predict on day three, with up to 90 percent accuracy, who will make high levels of antibodies against a standard flu shot four weeks later. The results were published online July 10 in the journal Nature Immunology. "It often takes several weeks after vaccination for an ...

A murder in the magpie's nest

2011-07-12

VIDEO: This is a video of a violent interaction between the mother and the perpetrator recorded on the first day of infanticide recorded on April 28, 2010. Click here for more information. Finding their young dead in the nest is not uncommon for bird mothers. In many bird species some of the nestlings die before they leave the nest. This is known as "brood reduction", a common form of infanticide that the parents are to blame. On the other hand, witnessing a perpetrator killing ...

Olympia hypothesis: Tsunamis buried the cult site on the Peloponnese

2011-07-12

Olympia, site of the famous Temple of Zeus and original venue of the Olympic Games in ancient Greece, was presumably destroyed by repeated tsunamis that travelled considerable distances inland, and not by earthquake and river floods as has been assumed to date. Evidence in support of this new theory on the virtual disappearance of the ancient cult site on the Peloponnesian peninsula comes from Professor Dr Andreas Vött of the Institute of Geography of Johannes Gutenberg University Mainz, Germany. Vött investigated the site as part of a project in which he and his team are ...

Ant colonies: Behavioral variability wins

2011-07-12

They attack other colonies, plunder and rob, kill other colonies' inhabitants or keep them as slaves: Ants are usually regarded as prototypes of social beings that are prepared to sacrifice their lives for their community, but they can also display extremely aggressive behavior towards other nests. The evolution and behavior of ants, in particular the relationship between socially parasitic ants and their hosts, is the research topic of a work group headed by Professor Dr Susanne Foitzik at the Institute of Zoology at Johannes Gutenberg University Mainz, Germany. Evolutionary ...

Poor bone health may start early in people with multiple sclerosis

2011-07-12

ST. PAUL, Minn. – Osteoporosis and low bone density are common in people in the early stages of multiple sclerosis (MS), according to a new study published in the July 12, 2011, print issue of Neurology®, the medical journal of the American Academy of Neurology. "We've known that people who have had MS for a long time are at a greater risk of low bone density and broken bones, but we didn't know whether this was happening soon after the onset of MS and if it was caused by factors such as their lack of exercise due to lack of mobility, or their medications or reduced ...

nTIDE March 2025 Jobs Report: Employment rate for people with disabilities holds steady at new plateau, despite February dip

While most Americans strongly support civics education in schools, partisan divide on DEI policies and free speech on college campuses remains

Revolutionizing surface science: Visualization of local dielectric properties of surfaces

[Press-News.org] OAI: GM Auto Insurance Offer Highlights Minimum Coverage Issue
Washington drivers may want to consider the extra cost of getting covered beyond the state-required minimums.

OAI: GM Auto Insurance Offer Highlights Minimum Coverage Issue

ELSE PRESS RELEASES FROM THIS DATE:

LAST 30 PRESS RELEASES: