what you are buying: risk coverage, pure and simple. You want this coverage to pay for any damages, bodily injury, medical care, or loss of life, for which you are found liable. Sounds pretty serious, doesn't it? It is. Not only is it important to insure against the full range of risks under which you will operate your vehicle, it is of the utmost importance that you be indemnified (protected) against those risks by a company with the resources to do so. While those resources include the obvious financial ones, they also include customer service, and good will within the industry. An insurance company customer service function that is efficient, conscientious, and courteous can prevent a lot of distasteful complications. Similarly, good insurance company relations within the fraternity of auto insurers may greatly facilitate handling of your claim, or the claim of the damaged party. Basically, a lawsuit avoided is a win for all concerned parties. With risk coverage established as the primary consideration, all others, including cost, take a back seat. Nevertheless, no matter what selection process you utilize, keep in mind the following factors:
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