What you need to know about your auto insurance policy before you get in an accident

Most people find out after it is too late whether there is enough insurance to properly compensate them in the event of an injury due to an auto accident.  To avoid this pitfall, here is some information about a few of the many types of coverages available in your auto insurance policy.

Your insurance policy is a contract.  You promise to pay certain premiums and the insurance company promises to provide you certain coverages.  However, you have a choice as to the types and amounts of coverage in your policy.

There are two basic purposes to an automobile insurance policy.  First, to protect others.  Second, to protect yourself and your loved ones.

Liability coverage protects others in the event you cause an accident.  Thus, if you cause an accident, the insurance covers your liability for damages up to the amount of the coverage.

Uninsured Motorist/Underinsured Motorist coverage (referred to in your policy as UM/UIM coverage) protects you in the event the at fault driver either does not have insurance or has inadequate insurance.  In such a scenario, f you have UM/UIM coverage in your policy, the amount of coverage you purchased would be available to you as compensation for your injuries and damages.

Another way to protect yourself and those in your car is through medical payment coverage in your automobile policy (referred to as Med Pay coverage).   If you have Med Pay coverage, you are entitled to have your reasonable medical bills paid up to the amount of your coverage.  It does not matter who is at fault for the collision.  It can be used in addition or as a supplement to health insurance.  It can also be used if you do not have health insurance.

I offer a free policy review, wherein I review with you the types and amounts of coverages you have in your auto policy and make suggestions as to how you may wish to modify your coverage to better protect yourself and your loved ones.

If you have any questions, please contact my office at 760-683-2048.

Or, you can simply send an email (see below).

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