By Scott Jackson, Thomas Decker, Nancy Haver (Illustrator)

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Extra resources for Beavers in Massachusetts, Natural History, Benefits, and Ways to Resolve Conflicts Between People and Beavers

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Other states find even more people unhappy. Page 8 Claims handling represents the number one auto insurance complaint that most state insurance commissioners report. Widespread poor experiences contribute to the consumer's distrust of insurance companies and the way they do business. Third, the role of insurance in society is changing. As more people grow more wealthyeven if it's just relatively wealthythey have more to protect. This makes insurance less of an optional safety measure and more of a necessity of life.

Page 28 How many assets do you have to protect? You probably can't change the demographics of your life. But that's only part of calculating your needs. A lot of what determines how much insurance you should buy is based on things you have more control over. First, your net worth defines how much liability coverage you should buy. If you're not worth much, the state minimums will probably cover any liability you might face. But, if you have some equity worth protecting, you'll want to make sure you're covered on the liability end.

It is important to pinpoint the time as well as the date on which coverage begins and ends. The Declarations Page will either mention or refer to any specific kinds of coverage added or dropped from the standard policy. Page 49 Eligibility Particular people, vehicles, and situations are eligible for coverage under a Personal Auto Policy. The conditions of eligibility are sprinkled throughout the policy and the manual rules that govern how and when a policy may be written. We will consolidate most of them here.

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