15. Medical auto insurance covers reasonable medical and funeral expenses for the insured and those riding with the insured, even if:

no actual physical injuries occurred. the accident is not the insured's fault. the identity of the insured cannot be established. the care required was not the result of a legally covered accident.

16. States usually allow individuals to purchase as much auto insurance to protect themselves:

as they buy to protect the other driver. as they buy to protect their homes. from suicide or suicide attempts. from vandalism and theft.

17. Proponents of the No Pay, No Play laws say they realize for some it is a financial dilemma, but they insist it is unfair that motorists who dont follow the law:

also do not pay road taxes. be allowed to own and drive motor vehicles. can still buy and maintain auto insurance policies. should be able to collect damages from those who do.