Car insurance can be expensive. If you’re paying high car insurance rates, you may be wondering how to reduce the cost of car insurance. But did you know you could qualify for dollar-a-day insurance coverage?

If you or your family are struggling to make ends meet you could be eligible for dollar-a-day insurance coverage. This gives you minimum car insurance coverage for only $365 a year, or a dollar a day.

This isn’t available in every state though, so keep reading to find out what dollar-a-day insurance is, and how to qualify for it.

But before you do, enter your ZIP code into our free comparison tool above to find affordable dollar-a-day insurance coverage in your area.

What is dollar-a-day insurance coverage?

Simply put, dollar-a-day insurance coverage is a government insurance plan that allows you to drive legally for only $365 a year.

Dollar-a-day insurance coverage is only available in the state of New Jersey, where it is officially called the Special Automobile Insurance Policy, or SAIP.

SAIP coverage is extremely limited, but it does provide proof of insurance so that you can drive legally. However, SAIP insurance does not meet New Jersey’s minimum auto insurance requirements as it offers no liability coverage to pay for injuries or damages to others.

SAIP coverage only covers emergency treatment for the policyholder immediately after an accident and additional medical treatment for critical brain and spinal cord injuries up to $250,000.

There is also a $10,000 death benefit paid out to the policyholder’s family should they die in a collision.

How do I qualify for dollar-a-day insurance coverage?

Dollar-a-day insurance coverage is extremely limited, so even if you qualify you will not be well-protected. However, if you have no other option and cannot find affordable auto insurance in New Jersey, dollar-a-day insurance coverage will allow you to drive legally.

According to the state of New Jersey, in order to qualify for dollar-a-day insurance, you must be an uninsured driver in New Jersey. If you already have car insurance coverage, you won’t qualify.

Secondly, you and anyone on the policy must be enrolled in a Medicaid program that includes hospitalization. Other Medicaid programs will not make you eligible.

However, if you become unenrolled in Medicaid, your dollar-a-day insurance policy will continue until your next renewal (one year), at which point you will have to find another policy.

And finally, your license and registration must be in good standing, that is, not suspended or revoked. Otherwise, you will not be eligible.

If you meet these requirements, then you should be able to qualify for dollar-a-day insurance coverage. If not, check out our New Jersey car insurance guide for the cheapest rates and best companies.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Now that you know all about dollar-a-day insurance coverage, enter your ZIP code into our free comparison tool below to find affordable dollar-a-day car insurance quotes in your area.

If you drive for a rideshare app, delivery service, or some other money-earning activities, you may have realized there’s a coverage gap. Many insurance companies now ask if you drive for business. They don’t cover your activity while you’re on the clock. Rideshare insurance could help you make sure you have enough accident coverage before it’s too late.

Some companies might provide their rideshare drivers with some coverage. Others leave it up to the individual drivers to get all the insurance they need. Either way, there are often gaps between a commercial auto policy and a personal auto policy. Read more below about how rideshare insurance can help protect you.

If you need help searching for affordable rideshare insurance, enter your ZIP code into our free quote comparison tool above.

What is rideshare insurance?

There are various types of insurance coverage options, such as collision coverage, personal injury protection, bodily injury liability coverage, underinsured motorist coverage, and comprehensive coverage.

Rideshare insurance offers coverage for those who use their personal vehicle to earn money, whether that is through a transportation app such as Lyft or Uber, or a delivery service such as GrubHub.

Some of these ridesharing apps and other delivery app employers have a commercial policy that provides some coverage for their drivers.

For example, Uber drivers have coverage based on whether they’re logged into the app, waiting for an assignment, or have accepted a job. (To find out more about Uber insurance, you can contact Uber driver support by clicking Help on the driver app.) However, many of these commercial policies leave gaps between their coverage and your personal auto insurance.

However, many of these commercial policies leave gaps between their coverage and your personal car insurance.

One of the best reasons for auto insurance is accident preparedness — for best results, prepare for the worst.

Buying rideshare insurance is a crucial accident preparedness step for rideshare and delivery drivers. It’s also important to report your work activities to your personal insurer so that they won’t cancel your car insurance policy. If for nothing else, it provides peace of mind and closes gaps in your personal policy that could cause issues later on.

How much is rideshare insurance for drivers?

Rideshare insurance rates will depend on the company you choose, what kind of policy you buy, and how much rideshare coverage you’ll have. It isn’t as much as a full commercial policy, but it is an add-on.

Many large insurance companies offer standard rideshare insurance now. So let’s look at some of the estimated monthly costs associated with ridesharing drive insurance.

If you purchase rideshare insurance from your auto insurance provider, you may pay less than if you were to buy a separate policy. As you can see, many add-ons can be extremely reasonable with a personal auto insurance policy. However, if rideshare insurance is not available in your area, you may need to buy your own commercial insurance policy, which can be more expensive.

You can receive rideshare insurance quotes by researching the companies that offer this coverage for drivers and using online quote tools, such as the one below.

Where can I buy a rideshare policy?

The easiest place to purchase rideshare insurance is your auto insurance company. However, if they don’t offer it, you may have to buy a hybrid policy from another company. When you get a quote, you can compare the price to switch your personal policy as well and see how it balances out.

You should let your personal insurance company know that you are driving for rideshare apps or making deliveries to earn money. They may be able to quote you for rideshare and commercial auto insurance so you can compare auto insurance premiums.

You should also learn more about the insurance available from the rideshare company you drive for. Understanding the coverage gaps between the policies can help you choose a rideshare coverage that will protect you in case of an accident.

Which Companies Offer Reliable Rideshare Coverage?

Some top companies that offer rideshare insurance include Geico, Mercury Insurance, State Farm, Allstate, and Progressive. If you’re not sure about your insurer, you can call or check out their website and search for a rideshare insurance policy. Many providers make it easy to manage your own policy online.

How can I find the right policy with rideshare companies?

Need help finding rideshare insurance policies? Enter your ZIP code into our free quote comparison tool below to compare rates today.

If you live in Indiana, you’ve probably heard about SR-50 insurance. Anyone who needs SR-50 car insurance has been ticketed for driving without proof of insurance. Unfortunately, this type of violation makes you a higher risk to insurance companies, and it could be associated with temporary license suspension. So insurance companies can raise your rates significantly.

However, there’s a way to recover. It may take a little more, though. Indiana car insurance law dictates that drivers who are caught driving without insurance need SR-50 insurance certification.

But what’s SR-50? We’ll cover everything you need to know about the SR-50 filing, including where to buy SR-50 insurance and how to get affordable SR-50 insurance.

Comparing car insurance providers is essential if you need an SR-50 insurance filing. Enter your ZIP code in the free comparison tool above and compare multiple companies in your area.

What is SR-50 car insurance?

SR-50 insurance isn’t insurance. It’s a certificate that says that proves you currently carry the minimum car insurance requirements in Indiana. Why Indiana? Don’t other states have SR-50 insurance? The short answer is no.

The “SR” in SR-50 insurance stands for Safety Responsibility.

Indiana is the only state with SR-50 insurance certification. Therefore, you won’t see any company identified as an SR-50 insurance company.

SR-50 insurance is often labeled as SR.50, SR 50 insurance, or SR50 insurance. All of them mean the same thing; they’re used interchangeably.

How much are SR-50 car insurance rates?

Since you can’t buy SR-50 insurance, you won’t find SR-50 insurance quotes from companies. However, we can show you how much you could pay from the top car insurance companies in Indiana based on common driving record issues.

USAA, Geico, and State Farm are the cheapest auto insurance companies for those who’ve been in an accident in Indiana. Although your situation may vary, this is a close estimate of what you could pay when you buy car insurance with SR-50 attached.

If you happen to qualify for a few discounts, you can get affordable SR-50 insurance rates and much more. Having an accident or getting your drivers license reinstated does not disqualify you from car insurance savings.

How can you get SR-50 car insurance?

After you get a ticket for driving without insurance, start searching for an auto insurance company that can get you a policy. The Indiana BMV requires SR-50, and it’s not court-ordered like SR-22 insurance.

The main difference between SR-50 and SR-22 insurance is that one is proof of current insurance and the other proves future insurance. Many Indiana drivers need SR-22 insurance because of a traffic accident, moving violation, or DUI that shows proof of insurance in place for the duration of the next three years.

An SR-50 is necessary due to a lack of auto insurance during an accident or moving violation and proves to the BMV that you have current insurance. It doesn’t carry the requirement for future coverage.

If you know you will need SR-50 insurance, tell your car insurance provider about your situation so they file the SR-50 right away. It may take a few days, but it should be ready before the BMV’s deadline. So whatever you do, don’t wait until the last minute.

What do Indiana drivers need for SR-50 car insurance?

Indiana drivers need to carry the minimum car insurance requirements. According to the Indiana Bureau of Motor Vehicles (BMV), all drivers in Indiana should have at least $25,000 for bodily injury of one person per accident, $50,000 for bodily injury of multiple people per accident, and $25,000 for property damage per accident.

When you don’t have auto insurance during an accident, you’ll be in danger of losing your driver’s license. To keep your license and maintain your vehicle registration, you’ll need an SR-50 form attached.

SR-50 Car Insurance: What’s the bottom line?

Ultimately, SR-50 insurance is only required by the Indiana BMV and not required by the Indiana courts. However, you should comply with the BMV so you can keep your driver’s license.

If you’re looking for a reliable company, you can get quotes from local companies who might be more familiar with SR-50 forms. Any insurance company that does business in Indiana should be able to fulfill this requirement for you, though. They may charge a reinstatement fee if you let your insurance lapse. Before you do this, make sure to get insurance quotes from a few companies. This way, you can compare your current auto insurance company and see if you’re actually getting the best rates with the added burden of financial responsibility paperwork.

Not having car insurance will affect your rates when you finally get a policy. Car insurance companies may see you as a high-risk driver. Therefore, you’ll pay more than the average for auto insurance.

Now that you know more about SR-50 insurance, use our free online quote tool to compare car insurance rates from multiple companies. You can get started by entering your zip code to narrow it down to providers in your area. Then answer a few questions and get multiple quotes for policies that will fulfill financial responsibility laws.

Frequently Asked Questions: SR-50 Car Insurance

To wrap up our SR-50 insurance guide, we’ll answer a few additional questions.

#1 – Do you need SR-50 insurance for a moving or non-moving violation?

No. SR-50 insurance is only for people who’ve been in an accident with no car insurance coverage.

#2 – What’s the difference between SR-50 insurance and SR-22 insurance?

To put it simply, SR-50 is proof of current car insurance, and SR-22 is proof of car insurance in the future.

#3 – How much is the SR-50 filing fee?

The SR-50 filing fee is $25.

For many people, getting your learner’s permit is a right of passage, but it also opens up a lot of questions. Do you need your own learner’s permit insurance? Can you be added to your parents’ car insurance policy?

The good news is that there are ways to get affordable learner’s permit car insurance, no matter if you are on your own policy or your parents’. Not only can you find discounts for student drivers, but you can also compare rates to find the cheapest coverage.

If you are looking for your own learner’s permit insurance or adding a learning driver to your policy, enter your ZIP code now to compare insurance quotes.

What is learner’s permit car insurance?

In most states, drivers have to carry at least the minimum amount of car insurance. That’s no different for learner drivers. They must legally have car insurance, too.

However, that does not necessarily mean you have to your own policy right off the bat.

Although it is possible to find learner’s permit insurance, most drivers with a learner’s permit can be added to either a parent or significant other’s car insurance policy.

If you are an adult living on your own, you would need to buy learner’s permit car insurance while you are practicing. Learner’s permit car insurance rates are usually quite high if you are purchasing your own policy.

Some auto insurance companies will offer you your own policy, but it can be hard to find car insurance companies with learner’s permit insurance coverage and there are usually restrictions that go along with it.

If you are being added to a licensed driver’s policy, as soon as you get your learner permit, you need to contact your auto insurance company. Surprising your car insurance company with a new driver after an accident or ticket is not the way to go.

Even with your permit, you can still get in accidents and be ticketed. If that should happen, your car insurance company needs to know just who was driving. Things will go much smoother if they already know about your permitted driver.

Contacting your auto insurance company will also give you an idea of just how much your rates will go up with a new driver.

Usually, you can expect a significant increase so it’s a great time to compare quotes from multiple companies to find the cheapest coverage.

The cheapest car insurance company for you and your new driver will depend on many factors that affect the price of car insurance, including the car you choose for your new driver.

What do you need to know about a learner’s permit?

Every state has different regulations for getting your learner’s permit. The DMV in your state will be able to tell you specifics like how to get a learner’s permit and who can be in the car with a permit driver.

It’s also important to know that there are usually restrictions after you get your license if you are a teen. States have graduated licensing laws that limit the number of passengers allowed and the times a newly licensed driver can be on the roads alone.

These laws give new drivers freedom while helping them create safe driving habits. This is especially important because safe driving for teens is a huge issue.

According to the CDC, there were 2,500 teens killed in auto crashes and another 285,000 were injured in 2018.

Learner’s Permit Insurance: The Bottom Line

Drivers with a learner’s permit do need car insurance, but they can usually be added to a licensed driver’s policy. However, if you need your own learner’s permit insurance, some companies do offer it.

This individual coverage can be expensive and hard to find, so compare learner’s permit car insurance quotes before you purchase your own policy.

To find the cheapest rates whether you are looking for your own policy or adding a teen driver to your current policy, enter your ZIP code now to compare insurance quotes for free.

There are so many different types of car insurance coverage that it’s even tough to get a handle on the basics. The following article examines bodily injury liability. Keep reading to learn what bodily injury liability insurance is, why it’s necessary and how much you need.

As you learn about bodily injury liability, you’ll also learn the basics of what to look for in a good policy. Learning the ins and outs of car insurance will help you to better pick between bodily injury liability car insurance companies and choose what type of coverage you need.

You can compare affordable bodily injury liability car insurance quotes today. It’s as easy as entering your ZIP code into our free quote tool. Get started now.

What is bodily injury liability insurance?

Bodily injury liability car insurance is a type of insurance coverage that covers medical expenses. This kind of insurance coverage activates if you’re the party that caused an accident.

For example, let’s say you hit another vehicle with three people inside and your bodily injury liability insurance coverage is $250,000 per person and $500,000 per accident. Any medical expenses incurred over those limits are your responsibility to pay out of your own pocket.

Your coverage pays for up to $250,000 in medical expenses per person. If Person A’s expenses cost 175,000, Person B’s cost $50,000 and Person C’s cost $300,000 you would have to personally pay $50,000 to cover the remainder of Person C’s medical expenses.

However, that number cannot exceed a total of $500,000 for the entire accident. The total costs of the above accident are $525,000, so you are also on the hook for the $25,000 that’s over your limit.

After an accident, how to act and what to avoid are both important things to know.

Do I need bodily injury liability coverage?

Unless you live in New Hampshire, you must carry bodily injury insurance. New Hampshire doesn’t require its residents to carry bodily injury coverage though it’s highly recommended that all drivers have it.

Drivers in all other states have to have liability insurance. Each state has its own minimum requirement, though purchasing more than the minimum is wise.

How much does bodily injury liability insurance cost?

Bodily injury liability insurance rates vary by state. Each state has a minimum amount of liability insurance that they require drivers to carry.

The average cost of liability insurance in the U.S is $611.12 a year, or $51/mo.

See the table below for detailed information on what kind of insurance you’re required to carry and how much.

Minimum Liability Coverage Requirements by State

In addition to bodily injury liability car insurance, many states require property damage liability insurance and uninsured motorist coverage.

How much bodily injury liability insurance should I buy?

Injury and death from car crashes can be incredibly costly according to the CDC. Not having enough bodily injury liability insurance can bankrupt a person.

Consider how much you could possibly pay out of pocket if you’re sued or have to pay for someone’s medical expenses. The safest bet is to purchase as much as you can afford to ensure you keep your assets if expenses are high after a crash.

Bodily injury liability car insurance exists to make sure that drivers’ financial futures aren’t jeopardized if they cause a crash.

Bodily Injury Liability Insurance: The Bottom Line

Now that you understand bodily injury liability car insurance and why drivers should have it, learn more elements and terms to help you understand your policy.  Understanding all the insurance terms can go a long way when it comes to how to buy bodily injury liability car insurance.

Find out what kind of bodily injury insurance rates are available to you by using our free quote tool. Enter your ZIP code and get started now.

There are many reasons you might need one-day car insurance, such as borrowing a car from a friend or looking for auto insurance for the first time. You could also be trying to reduce the cost of auto insurance by limiting the amount of time you are paying.

No matter the reason, it’s good to know that it is possible to get short-term car insurance if you know where to look. 

Chances are your standard car insurance company won’t offer you temporary car insurance. Although some companies will offer you a short-term policy, there is no such thing as a one-day car insurance company. 

No matter what type of car insurance you’re looking for, shopping around will help you find the best coverage at the cheapest price. Just as you’d talk to different dealers when shopping for a certain car, you can compare prices between different insurance companies.

Enter your ZIP code now to compare quotes to see if short-term or one-day auto insurance is the cheapest option for you.

How Can you Get One-day Car Insurance?

Most standard auto insurance companies will not offer you a short-term policy, and the companies that do offer temporary car insurance don’t offer just a one-day policy. Generally, the shortest term you can find is for 30 days.

If you are going to be driving off and on throughout the year, it might be cheaper to buy a standard policy. There are many different types of car insurance coverage for you to choose from.

This table shows you the average price of car insurance based on the type of coverage you buy. Low coverage policies will meet the legal requirements for auto insurance in your state but don’t offer any additional coverages.

Although one-day car insurance rates aren’t available, low coverage averages $10 a day, while a short-term policy will cost you about $15 a day. You can see that it is cheaper if you purchase a standard policy if you are going to be driving more than just once in a while.

It’s also important to note that there are many different factors that affect the price of car insurance, such as age, driving record, and where you live. Your rates may be lower once all of the factors are considered.

Who Needs Temporary Car Insurance?

A temporary car insurance policy can be needed for a variety of reasons. A few reasons someone might want a short-term auto insurance policy are:

• Borrowing a car from family or a friend. If your car is in the shop or you just need to run some errands, you could borrow a car from family or friends. Even though you will only be driving a short time, getting your own policy is not a bad idea. A non-owner car insurance policy will give you the peace of mind that you are covered should an accident occur. If you drive their car on a fairly regular basis, your insurance premium’s per day cost (for when you use it) could also be much lower than a short-term plan.
• Test driving a new car. If you are test driving a car, you might want a temporary policy. This is especially true if you are buying from a private seller and don’t know if they have car insurance.
• Renting a car.Rental companies offer short-term (day by day) auto insurance coverage with the promise that if something happens to the car, you can just walk away. You may have noticed it’s quite expensive. Generally speaking, your auto insurance will cover rental cars as well. If you don’t have a regular plan, the rental company plan may be your best option.
• Looking for a new car insurance company or getting insurance for the first time. Maybe you are in the process of securing traditional auto insurance and need some time to figure out who you want to go with. Short-term car insurance will give you time to compare quotes and pick an auto insurance company that’s right for you.

As you can see, there are a variety of reasons to look into temporary car insurance. Depending on your specific needs, short-term coverage may be the way to go.

However, if you will be driving for more than 30 days, a traditional policy will be cheaper in the long run.

What Kind of Coverage Do You Need for Short-Term Car Insurance?

While you may want to save money by sticking to liability-only coverage with your own car, this would be inadvisable with a borrowed car. If the owner has full coverage, their coverage will also follow the car. If you get in an accident with liability-only coverage, though, you could end up in dire financial straights if you can’t afford to replace the car you’re driving.

What are the Consequences of Driving Without Car Insurance?

No matter your situation, the one thing you don’t want to do is drive without car insurance.

Despite most states requiring some sort of auto insurance, the Insurance Information Institute reports that 13% of drivers were uninsured in 2015. 

If you get caught driving without auto insurance, you will face fines, driver’s license suspension, and possible jail time. Saving a few dollars on car insurance is not worth the penalties if you drive uninsured.

Not to mention you would be personally liable for any damages in the case of an accident. This could cost you thousands of dollars out of pocket.

It’s so easy to shop around for car insurance. There’s no reason not to be covered, even if you only need car insurance for one day.

Enter your ZIP code to compare quotes with temporary car insurance and see if short-term coverage is right for you.

No-Fault vs. Tort Car Insurance

Because car insurance is regulated on a state-by-state basis, where you live has a tremendous impact on your policy premiums. There are two basic types of auto insurance systems: “no-fault” and “at fault” (this is normally referred to as tort liability auto insurance). We’ll be the first to admit that having varying systems, with each state having its own specifics and guidelines, can be quite confusing.

The typical form of no-fault coverage is Personal Injury Protection which covers medical expenses, loss of income, and wages for the driver and the passengers, unlike bodily injury liability coverage which covers medical costs in case you have caused the accident. It does not cover property damage liability or car repairs. PIP coverage ensures that all drivers get care for their injuries and compensation for the cost without identifying who caused the accident.

For those who live in states with a no-fault system (twelve states have no-fault laws in place – Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah, and the District of Columbia) the difference in automobile tort states can be overwhelming. And the same can be said of those who drive in tort states who have no idea how no-fault systems work.

Quite simply, in a no-fault state, drivers are responsible for damages to their own vehicles and sometimes their own medical bills in the case of a collision with another driver. This is the case regardless of whether or not they were the negligent driver in the accident. Drivers in no-fault states are also normally required to carry personal injury protection coverage (PIP).

In fact, in instances of adjudication, the courts of no-fault states make no effort to determine who was at fault in an accident in most cases. In extreme circumstances, such as crashes that feature exceptionally high medical bills or property damages, the court system may be compelled to make such a determination, but there are limited instances in which this will happen.

Pros and Cons of No-Fault and Auto Tort Insurance

Claimed benefits of no-fault insurance:

• Efficient payment of claims
• Reduced load on courts, with no need to hire attorneys
• Insurance premiums should be lowered

Claimed negatives of no-fault insurance:

• There are specified limits on when you can sue
• No incentive to be a good driver, other than policy premiums
• Insurance fraud is a pervasive issue in no-fault states
• Evidence points to no savings on insurance premiums, and in many cases, premiums have proven to be higher

Tort states and the automobile tort system of insurance for personal injury claims are more common. In a tort or “at-fault” state, the driver who is responsible for an accident must pay the costs of an accident or at least a proportional amount of the fees incurred by the other driver – tort systems often assign blame as a percentage, rather than singling out an individual driver. The damages related to an accident are paid out through the negligent party’s liability insurance coverage.

Many people living in at-fault states choose to purchase uninsured/underinsured motorist coverage because it offers protection from damages caused by someone who does not have liability insurance or has very low coverage limits on their policy. Medical Payments coverage is also popular in these states, as it offers additional protection in the case of injuries from automobile accidents, making it less likely a person will have to deal with the hassle of finding a personal injury attorney and filing a lawsuit. Most auto insurance companies offer these forms of coverage in at-fault states, but keep in mind any optional coverages added to your auto policy will increase your insurance premium.

Every state has its own methods to determine the at-fault driver and the percentage of fault of each driver as well as different systems for paying for minor accident injuries. In tort states, insurance claims may not be paid until after fault is determined, sometimes after a lawsuit.

No-Fault vs. Tort Car Insurance: Which is better?

While we’re not going to jump into the fracas of which system is better, we do know this: Proponents of no-fault car insurance point to the high court fees that both drivers and car insurance companies take on to do business in tort states; and proponents of tort systems insist that fault-driven insurance is inherently a more fair system. They contend that drivers should never be penalized for being involved in an accident that they didn’t cause.

Another interesting fact is that since the introduction of the no-fault insurance concept, 24 states have enacted (and many have repealed) such systems. And one final note about no-fault vs. tort-based systems. Three states – Kentucky, New Jersey, and Pennsylvania – have mixed systems that allow a policyholder to choose which system they have: traditional tort or no-fault. These choice-based systems require all policyholders to select between the two at the time a policy is issued or renewed. Once this occurs, a policyholder cannot convert to the other system without a full policy rewrite. In Kentucky and New Jersey, consumers who do not make a choice will be assigned a no-fault option by default; and in Pennsylvania, the tort option is the default for those who do not specify a choice. Drivers who select limited tort insurance reduce their ability to sue for damages related to auto accidents.