Things to Consider When Purchasing Auto Insurance

The coverage you choose when purchasing car insurance is incredibly important and is especially important if you’ve been involved in a car accident. The type of coverage you choose could determine whether or not you are compensated fully for your damages. Would you know what to do if you were involved in a car accident with a driver that had no car insurance? We’ve put together a few suggestions to consider when purchasing car insurance.

1. Purchase Underinsured or Uninsured Motorist Coverage

Unfortunately, many drivers out on the roads are operating their vehicles with inadequate insurance policies, or even worse—driving with no insurance at all. Purchasing underinsured or uninsured motorist coverage can protect you and your family, regardless of the type of coverage other drivers have. The cost of adding this coverage to your car insurance policy is relatively small and can offer priceless peace of mind in the event of an accident with an underinsured or uninsured motorist.

2. Purchase MedPay

Most drivers do not know what MedPay is and how valuable it can be to include it in a car insurance policy. MedPay is also known as medical payments coverage, and in the event of an accident, MedPay will pay your medical bills up to the coverage limit you choose. Your medical payment coverage takes care of medical bills regardless of who is at fault, and also moves with you (walking, riding in another person’s car, or on public transportation). MedPay carries no deductible or co-pay and is relatively inexpensive to include in your auto policy.

3. Bundle Your Insurance to Save Money

Consider bundling your car insurance policy with your homeowners insurance. Some insurance companies offer as much as a ten percent discount if you combine policies! This is an easy way to reduce costs, enabling you to purchase MedPay and Underinsured or Uninsured Motorist coverage.

4. Don’t Forget to Re-Evaluate Your Car Insurance Coverage

It is important to periodically assess your coverage needs. Circumstances may change, cars come and go, and cars get older. Your car insurance coverage can need to be adjusted from car to car. Failing to re-evaluate your coverage could mean spending more than you need to.

It is important to purchase the amount of car insurance coverage that is right for you, and we hope that the above suggestions help to make an informed decision. However, accident s happen, and the attorneys here at Harris Personal Injury Lawyers Inc. are able and qualified to assist in reaching fair settlements for bodily injury claims. If you or a loved one has been injured in a car accident, contact us today for a free consultation.

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