A new year means a chance to make (and keep) new resolutions. As you’re making your list, the personal injury attorneys at Dale E. Anstine encourage you to resolve to check your auto insurance policy to make sure you understand the coverage you have selected. While no one wants it to happen to them, auto accidents unfortunately occur every day and can have major impacts on the lives of those involved. In fact, according to the Bureau of Transportation, approximately 2.8 million people are injured in the U.S. every year due to an auto accident. Making sure you understand your vehicle insurance coverage is an important step to ensure you and your family are protected!
With many insurance providers and coverage types to choose from, and with all the text in those lengthy contracts, it’s important to take time to understand the following:
- What coverage you are paying for?
- What is not covered in the case of an accident?
- What additional out-of-pocket costs could you face in the event of an accident?
The York, PA lawyers at the Law Offices of Dale E. Anstine specialize in auto accident cases and are sharing tips for motorists to keep in mind when evaluating and selecting insurance options. The following are important components of your auto insurance policy to look out for and understand.
Full Tort or Limited Tort?
Which coverage you choose — whether full tort or limited tort — will determine your ability to seek compensation for pain and suffering if you are injured in an accident. While limited tort may save you a few bucks a month, it dramatically limits your rights. Check out the video below to hear York, PA accident attorney, Dave Pollick, explain the differences between full and limited tort, and which coverage will better protect you in the case of an accident (spoiler alert: always choose full tort).
Uninsured and Underinsured Coverage?
While this coverage is optional, it is recommended for extra protection against drivers who do not have insurance or who have limited coverage which will not cover the expenses that may result from an accident. This coverage is to protect you and your passengers and to avoid owing money after an accident that was not your fault.
Medical Coverage, Bodily Injury Coverage, & Property Damage Coverage
These different coverage protection plans are also a part of your policy and can make a big difference in the protection you receive if a claim is filed against you and you are at fault.
For more insight on auto insurance coverage, it’s important to sit down and discuss your options with your insurance agent, especially if you are driving a new or “new to you” vehicle. Understanding your insurance policy is critical to ensure that you are covered in the event of an accident. The choices that you make related to your coverage determine your rights to compensation and action following an accident.
Having an Experienced Attorney on Your Side
At Dale E. Anstine personal injury law firm, your injury is our fight. If after you speak with your insurance agent about your coverage, you still have questions – get in touch. We’ll be happy to sit down with you to review your policy together. If you or a loved one have been injured in a car accident, reach out to the specialized accident and personal injury attorneys at Dale E. Anstine. We are proud to protect the injured across the Central PA community. Consultations are always free, we’re available 24/7, and there’s no fee unless we win for you.