I have medical insurance. What is Med Pay and why do I need it? This coverage pays up to your policy limit for reasonable medical expenses incurred within three years of an accident. Medical Payments Coverage applies to everyone in your auto. It also applies to you and insured relatives living in your household while in another automobile or when injured by a vehicle while walking.

Do I need collision coverage and what does it cover? If your vehicle is valued over $1,000, it is a good idea to retain collision coverage. This pays for the actual cash value of damages to your covered auto (up to its actual cash value) caused by an impact with another vehicle or a stationary or moving object. The amount of your deductible would be subtracted from any loss settlement.

What is Other Than Collision Coverage/Comprehensive Coverage? This coverage pays for losses to your covered auto (up to its actual cash value) that are not caused by collision. This includes damage caused by fire, theft, glass breakage, vandalism, riot, windstorm and hail. The amount of your deductible would be subtracted from any loss settlement.

Should I buy Rental Car Damage Waiver? "It has been debated for years whether or not a person renting a vehicle should purchase the Collision (or Loss) Damage Waiver from the rental company..." For the full story, read The Top 10 Reasons to Purchase the Rental Car CDW/LDW from the Independent Insurance Agents of America.

I recently received a check from my insurance company. Can I cash this check? Look on the check stub. There should be a reference as to why the company has sent this money to you. If you cannot determine the reason, it would be wise to call your agent. It is possible your policy has been cancelled and this is a refund of unearned premium, or there may have been an overpayment. Remember, no one just gives money away...verify it with your agent!

Do my new tires require any special treatment? Your new tires will probably feel different from the tires that were replaced. Drive carefully as you become familiar with their performance and handling. Take special care when braking, accelerating, cornering, or when driving in the rain, because these are the times when the differences will be most noticeable.

How do I know when I need new tires? Many tires have tread wear indicator bars molded into the tread. When the tread is worn down to where you can see a solid bar of rubber across the width of the tread, it is time to replace the tire. Here's another simple test you can perform to measure tread depth on your tires. Place a penny into a tread groove with Lincoln's head upside down and facing you. If you can see the top of Lincoln's head, it's time to visit a Gemini Automotive Care for a new tire.

How long should my original equipment tires last? Goodyear does not offer a written mileage promise on any tires supplied as original equipment. Due to the variety of styles, construction features, treat compounds, vehicle applications, geographical conditions and driving habits, it is difficult to provide a specific mileage expectancy. However, any tire wear concern should always be presented to your local authorized Gemini Automotive Care for further evaluation. Many of our authorized retailers offer specific mileage warranties on several lines of tires sold as replacement tires, including some tires that are used as original equipment. These mileage warranties are administered based on the retail outlets verification of proper tire maintenance having been performed.

Is it safe to repair a flat tire? If a tire loses all or most of its air pressure, it must be removed from the wheel for a complete internal inspection to be sure it's not damaged. Tires that are run even short distances while flat are often damaged beyond repair. Most punctures, nail holes, or cuts up to 1/4 inch -- confined to the tread -- may be satisfactorily repaired by trained personnel using industry-approved methods. Don't repair tires with tread punctures larger than 1/4 inch, or any sidewall puncture. Also, never repair tires which are worn below 1/16 inch tread depth. Your best bet is to make sure your spare tire is always ready to do the job. Check it regularly for proper air pressure and be sure that it is in good shape. If your car is equipped with one of the several types of temporary spares, be sure to check the spare tire's sidewall for the correct inflation pressure, speed, and mileage limitations. See Gemini Automotive Care for expert tire repair.

Must I replace my present tires with the same size tires? Never choose a smaller size than those that came with the car. Tires should always be replaced with the same size designation -- or approved options -- as recommended by the vehicle manufacturer or Gemini Automotive Care.