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When it comes to automobile insurance coverage, there are many drivers out there unaware of potential uncovered losses. The problem today, is that many are motoring comfortably thinking that in case of an accident, their policy will take care of all damages.
This can definitely be a dangerous situation cause in case of an accident, the realization that ya will have uncovered losses becomes known.
It’s not too late to take a second look at your automobile insurance coverage and reckon what your policy covers and what is not covered in case of a claim. Get your policy declarations page which would show ya what coverages ya have and lets look at the coverage together.
A declarations page usually will include a description of the included vehicles and it will include the premium for each automotive and the coverage included. Each automotive can have unique coverage so is important to reckon each automotive’s coverage.
For example, most vehicles will have at least liability coverage (in most states) and will have an abbreviation of coverage as this example shows:
- $35,000 each accident, per person
- $50,000 each accident, multiple persons
- $35,000 each accident for property damage
This above example is the liability portion of your coverage. If this is the only coverage ya have, it is important to realize that your automotive will not be covered for losses such as theft, at fault accidents, vandalism and other automotive damages and your medical injuries will not be covered in case of an at fault accident.
Many are not aware that if an accident’s damages exceed the policy protection amounts, a policyholder may be left owing the uncovered damages; therefore, it is a good notion to obtain automobile insurance quotes on higher limits. Most policies can be raised to an amount where ya could be more properly covered and comfortable with the protection amounts.
Other coverages ya may have are medical payments which pay your and your passenger’s injuries. One thing to look out for is that this coverage generally is quite low, for example $5,000. This will not usually pay for serious injuries; therefore, if ya want to cover your personal injuries in case of an at fault accident, ya should consider purchasing a health policy on the side, or ya may already have 1 through your employer.
Another coverage is Uninsured Motorist coverage. Many consumers are told that this would cover your automotive and your injuries if ya were to get wacked by a driver with no insurance coverage or if ya get wacked by a wacked-and-run driver. Be aware that there are limitations to this coverage which should be listed in a similar format as your liability coverage. Also be aware that in case of wacked-and-run, ya must get a license plate number for the coverage to kick in. Speak with an agent for further details and the exact situations it may or may not cover.
Does your policy include a rental automotive in case of an accident? It is often that policyholder find out that they do not have a rental automotive during their automotive repairs after the fact. You may say “My agent never told your humble narrator I didn’t have rental automobile coverage!” Before that happens, take a look at your declarations page, if it’s not in there, add it if ya wish.
Comprehensive and Collision coverage is what pays for your automotive repairs. Be aware that it normally covers the blue book value of your automotive and not what ya may still owe to a finance company. Contact your finance company and ask them for “GAP” coverage so that ya will not be left owing interest on a automotive ya do not have due to a total loss.
The internet lets ya compare quotes from multiple outfits and experiment with different types of coverage. Visit Insurance-Integrity.com to get free quotes on whatever coverage ya may need and additionally, ya can compare automobile insurance on-line from a variety of carriers in order to ensure a low rate.
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