Justin the Informed Citizen breaks down the different types of auto insurance coverage and gives you tips on how to choose a good insurance company.
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SUVs and Rollovers: 
According to the National Highway Traffic Safety Administration (NHTSA), the rollover crash is one of the most deadly forms of crashes among passenger vehicle, accounting for more than one-third (35 percent) of all occupant fatalities in 2010. Among fatally injured passenger vehicle occupants in 2010, the proportion of fatalities in rollover crashes was highest for SUVs at 57 percent, followed by pickup trucks (47 percent), vans (30 percent) and passenger cars (23 percent). The number of people killed in SUV rollover crashes fell 2.3 percent from 2,303 in 2009 to 2,251 in 2010. In 2010 SUVs had the highest passenger vehicle occupant fatality rate in rollovers of any vehicle type—5.31 per 100,000 registered vehicles, contrasted with 5.02 percent for pickups, 2.30 percent for vans and 2.15 percent for passenger cars.
The Insurance Institute for Highway Safety (IIHS) issued a report in March 2008 that indicates that roof strength in SUVs significantly influences injury risk. The IIHS came to this conclusion by testing the roof strength of SUVs in much the same way that the government requires of automakers and then relating the findings to the real-world death and injury experience of the same vehicles in single-vehicle rollover crashes. The IIHS tested 11 mid-size SUVs that did not have electronic stability control or side curtain airbags, features that might affect injury rates in rollovers. Researchers concluded that if the roofs of all of the SUVs tested had the same strength as the strongest roof in the test, about 212, or almost one-third of the 668 deaths that occurred in these SUVs in 2006, would have been prevented.

Motorcycles: 
NHTSA reports that 4,668 motorcyclists died in crashes in 2013, down 6.4 percent from 4,986 fatalities in 2012. This was the first decrease in motorcyclist fatalities since 2009. Motorcycle rider fatalities accounted for 14 percent of all motor vehicle crash fatalities, compared with 9 percent in 2004. (See Motorcycle Crashes paper.) In 2011 motorcycles accounted for 3 percent of all registered motor vehicles and 0.6 percent of vehicle miles traveled. However, per vehicle mile traveled, motorcyclists were about 30 times more likely than passenger car occupants to die in a crash and five times more likely to be injured.

Large Trucks: 
According to a NHTSA report, 3,964 people died in crashes involving large trucks in 2013, up 0.5 percent from 3,944 in 2012. Although large trucks accounted for 4 percent of all registered vehicles 2012, they accounted for 8 percent of all vehicles involved in fatal crashes and 3 percent of all vehicles involved in injury and property damage-only crashes. 
used with permission of iii.org

Informed Citizen