You have options when you have been injured and your car has been damaged in an accident. However, these options should be exercised before the accident in the form of the type of insurance coverage you purchase. The number on the options depends on the type of coverages you have.
Before becoming an attorney and helping people with their suits and claims, I too was a consumer who did not really understand what coverages and options I had as an insurance client. There are many types of automobile coverages that you can purchase with liability being the only part that is compulsory.
You must have liability coverage on your vehicle in order to drive. However, beyond liability coverage, you can purchase additional coverages:
- Collision Coverage
- Comprehensive Coverage
- Medical Payments Coverage
- Underinsured Motorists Coverage
- Loss of Earnings Coverage
- Economic Only Uninsured Motorists Coverage
- Car Rental Coverage
- Towing Coverage
- And more!
Don’t be afraid to ask your insurance agent what these are and how much they will cost. Also, don’t be fooled by thinking you have œfull coverage when an agent tells you that because œfull coverage means one thing to the consumer and something different to the agent.
In particular, Uninsured Motorists coverage can be invaluable when you are seriously injured in a car accident. For only a small amount more each month, you can have peace of mind that you are covered in the event that the person who struck you or your vehicle was not insured. Remember, your choices now will effect what choices are available to you later.
Check on your coverages and make sure you understand what they are. Ask questions!