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In these states, each driver is compensated from his or her own insurer, regardless of who was at fault, unless the injuries are serious enough to be an exception. Other types of coverage are usually available, including collision and uninsured or underinsured motorist coverage. To learn more about auto insurance, how it works and what to consider when buying a policy or making a claim, view the articles in this section. Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange Exchanges are inter insurance exchanges owned by their policyholders and organized under the laws of the State of California. The Exchanges, directly or through their subsidiaries, offer homeowners insurance, auto insurance, commercial insurance, and financial services throughout the United States. Farmers Group, Inc.

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I like the healthcare system of Canadian that care is free for everybody, but the waiting list is ridiculous as what my aunt experienced. She ended up going to other country and have her MRI done. You guys are proud of your healthcare system and I am proud of mine too. Although, our health insurance is expensive, but we are provided with the best care. No waiting list for months. and that is something that I am proud of. So my question is, how come Canadians travel to the US to get medical care if your healthcare system is excellent?We have seen mostly Canadians' license plates in Mayo Clinic parking lot here in Minnesota. In Ontario we don't pay monthly health premiums but yearly health premiums, and for a middle class person like myself I only pay $600 dollars a year which is included in my Income tax. For my parents who are retired they pay $200 for the both of them per year. For that $600 dollars a year I don't have to worry about having to pay huge bills if I break my arm and need medical care or having to fight with an insurance company to get it paid for. I go to the emergency department and it's taken care of in the order of URGENCY!Obviously someone with a broken arm or chest pain is going to get seen by a doctor faster than someone with a cough or sore thumb.