What Auto Insurance Coverage do you need?


So how does your auto insurance coverage work?

Lots of clients I talk to come in and they tell me I purchased full coverage and then we get their policy information and they don’t really have full coverage. What they have is liability coverage that meets the state law. Full coverage is actually coverage for your property damage. So if you were in an accident and it’s your fault or the other driver didn’t have insurance and it was their fault, your property damage coverage has to fix your car. Full coverage includes medical payments coverage that will pay your medical bills if you don’t have health insurance and you don’t, lets say the at fault party didn’t have insurance, or fled the scene so you didn’t have their information.

Uninsured motorist coverage protects you if you were hit by somebody that doesn’t have insurance. Underinsured motorist coverage protects you if the person who hit you didn’t have enough insurance to fully compensate you. There’s rental coverage which puts you into a rental car so you’re able to get to work, get to your doctor’s appointments, if the other insurance company isn’t able to, isn’t willing to, is fighting you on your case or if the accident was your fault. So full coverage is a lot more than simply liability coverage. It’s a long conversation, quite honestly.

So if you’ve been injured in an accident and need to know what coverages you have and what needs to be done to make sure that you’re protected give us a call and we’ll take care of all that for you.

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